Real utilization, every cycle.
See total credit limit, balances, available credit, and per-card utilization pulled live from your linked accounts.
- Total + per-card
- Reporting-cycle aware
- Stale-data warnings
Credit clarity,not credit theater.
CreditMaxer is a calm, opinionated credit coach. We track your utilization across every card, time AZEO reporting to your statement cycles, queue limit-increase requests at the right window, and make score simulations honest about what they are — educational, not promised.
1 dashboardCards, loans, dates, scores
0 surprisesStatement timing handled
4 channelsPush, email, SMS, in-app
Read-onlyWe never move your money
ChaseAmerican ExpressCapital OneDiscoverCitiBank of AmericaWells FargoU.S. BankSynchronyBarclaysApple CardPlaidExperianTransUnionEquifaxChaseAmerican ExpressCapital OneDiscoverCitiBank of AmericaWells FargoU.S. BankSynchronyBarclaysApple CardPlaidExperianTransUnionEquifax
Six quiet superpowers that compound.
Not another credit score app. CreditMaxer is the operating system for the small, well-timed moves that actually move a profile — and the timely silence to skip the ones that don’t.
AZEO timing, on autopilot.
We pick the one card that should report a small balance, mark the rest to report zero, and time payments against statement close — not your due date.
- Statement-close logic
- Editable picks
- Calendar reminders
Due dates that don’t bite.
Statement closes, payment due dates, AZEO action windows, and limit-request windows — turned into unmissable nudges across push, email, SMS, and in-app.
- 4 delivery channels
- Snooze + reschedule
- Timezone safe
Limit increases at the right window.
We track when you last asked, model issuer-specific cool-downs, and warn you before a poorly timed request burns six months of patience.
- Issuer rule library
- Approval tracking
- Soft / hard pull notes
Loans, but only when they help.
Credit-builder loans, auto loans, refinance tradeoffs, payoff scenarios. Guidance that names the costs — not just the score story.
- Refi calculator
- Payoff scenarios
- Utilization warnings
An honest score simulator.
Educational ranges, never promises. See what paydown, a new card, a limit bump, a missed payment, or a payoff could plausibly do — labeled with confidence.
- Confidence labels
- Saved scenarios
- Plain-English explanations
All zero except one.
Most cards report zero. One reports a small balance.
On reporting day, models look at the balances your issuer sent — not what you owe today. AZEO (All Zero Except One) is the disciplined version: pay every card to zero before its statement close, and let one card report a small, deliberate balance.
CreditMaxer chooses the right card based on limit, statement date, and issuer behavior, then schedules pay-down reminders against the close date — not the due date everyone else nags you about.
“Paying the statement balance is fine. Paying before statement close is how scores quietly improve.”
Cycle 15 May → 12 JunReports in 4 days
Chase Sapphire••4421 · Limit $14,000
Pay to $0Amex Gold••2007 · Limit $9,000
Pay to $0Capital One Venture••8830 · Limit $12,000
Report $86Optimal carry: ~$86 (≈0.7% of limit)Discover It••0193 · Limit $7,500
Pay to $0Plan generated 2026-05-15 09:14Coach action: schedule pay-down reminders
One screen, every credit lever.
Total limit, balances, available credit, utilization, statement close dates, due dates, and current AZEO plan. Connected to the institutions you already use, refreshed when it counts, and quiet the rest of the time.
Total available credit$38,420of $42,500 across 4 revolving accounts · 9.6% util
Score742FICO 8 · +34 90d
Next dueMay 27Discover It · $214.06
AZEO1 / 4Reporting Cap One only
Next CLIAug 12Chase Sapphire · eligible
Chase SapphireVisa ••4421
Amex GoldCharge ••2007
Capital One VentureVisa ••8830
Discover ItDiscover ••0193
Educational ranges, not promises.
Five built-in scenarios, plus anything you want to draft against your own data. Every output ships with a confidence label and the trade-off in plain English.
Pay down Discover by $500Drops portfolio utilization from 22% to 11%, Discover from 71% to 64%.
+8 to +18 ptsIncrease Chase limit to $7kImproves headroom and lowers per-card utilization on a high-limit account.
+3 to +9 ptsOpen a new card, +1 hard pullAdds available credit but lowers average age of accounts and adds an inquiry.
−4 to +6 ptsMiss a payment by 30 daysA single 30-day late can dominate scoring for many months.
−65 to −110 ptsPay off auto loanRemoves the only open installment loan and your account mix.
−2 to +4 ptsYour money, your data, your call.
Credit data is sensitive. We treat it that way — with consent that isn’t buried, security that isn’t just policy, and an exit door that actually opens.
Read-only by design.
We pull liabilities through aggregation providers. CreditMaxer never moves money, never opens accounts, never speaks to your issuer for you.
Two consents, separated.
Aggregating your accounts and pulling official scores are independent decisions, with their own copy and their own off-switch.
Tokens encrypted server-side.
Provider access tokens never touch your browser. They’re held server-side, encrypted, scoped per user, and revocable in one click.
Unlink and delete in one tap.
Unlink an institution and we revoke the upstream token. Delete your account and we wipe rows, audit it, and walk away.
№ 07 / 07 · Open the dashboard
Start with a clean dashboard.
Connect a single card to see total limit, utilization, and an AZEO plan within seconds. Add the rest at your pace.