What is WhichCard?
See available spend on each card to stay under 30% utilization. Your balance gets reported when statements close, not when you pay—so timing matters. Otherwise you pay down your balance but your utilization stays high.
Problem
Users manually track credit card balances to stay under 30% utilization, but timing of balance reporting (at statement closure) leads to accidental high utilization despite payments.
Solution
A real-time dashboard tool showing available spend per card to avoid exceeding 30% utilization, with alerts and guidance on payment timing.
Customers
Financially conscious individuals, credit card users, and those repairing credit scores (ages 25-45, tech-savvy, actively monitor finances).
Unique Features
Focuses on statement closure dates for utilization reporting, not just payment dates—offers proactive spending limits.
User Comments
Helps avoid credit score drops; Simple interface; Clarifies confusing reporting rules; Needs more bank integrations; Requests mobile app.
Traction
Newly launched (exact user/MRR data unavailable), but ProductHunt presence indicates early traction.
Market Size
The U.S. credit monitoring market was valued at $5.3 billion in 2023 (Grand View Research).
