Time your credit card payments to minimize utilization before statement close dates. Track every card, get smart reminders, and know exactly what to pay and when.
Download on the App StoreSimple tools that make a real difference at statement close
Know exactly when each card reports to the bureaus. See days remaining, cycle phases, and urgency levels at a glance.
See exactly how much to pay to hit 1%, 5%, 10%, or any utilization target before your statement closes.
Get notifications 5, 3, and 1 day before statement close with personalized payment guidance.
See all statement close dates and due dates on a monthly calendar. Never miss a date again.
Planning a mortgage or auto loan? Activate Loan Prep to optimize all cards for the lowest possible total utilization.
All data stays on your device. No bank connections, no servers, no account needed. Your financial data is yours alone.
Enter your credit limit, current balance, and statement close day for each card. Takes 30 seconds per card.
ScoreSnap shows exactly how much to pay to hit your desired utilization before the statement closes.
Make the payment, update your balance, and see your utilization drop. Get reminders so you never miss a cycle.
Free to start. Premium for power users.
Join thousands who time their payments for the lowest reported numbers.
Download ScoreSnapScoreSnap is a payment timing tool and does not guarantee credit score improvement. All utilization calculations are estimates based on user-entered data. ScoreSnap does not access your bank accounts, pull your credit report, or provide financial advice. Consult a financial advisor for personalized guidance.