A new Credit Health check-in Credit Health now rates six areas of your credit on their own: payment history, negative marks, utilization, account age and mix, recent applications, and report accuracy. Each one shows Good, Watch or Needs work, and your overall result reflects what matters most, not an average. • No account needed. Guests can take the check-in too. • Your answers stay on your phone. • Utilization is calculated from the cards you've added, so there's nothing to guess. • A few new questions give a more complete picture. • Premium shows a next step for each area. Share it with your advisor The PDF export now opens with your Credit Health summary, followed by your billing calendar and card table. Send it to a loan officer, housing counselor or credit professional before your first call. If you took the old check-in, take it once more to see your new results. Credit Hub doesn't pull or show your credit score. Credit Health is a self-assessment.

Credit Hub 2.0 is a full redesign built around seeing everything at a glance. • New Home: your cards, what's coming up and what to do next on one screen. Tap the globe to jump into your calendar. • Calendar globe: every statement close and due date, grouped by color. Tap a color to see that group's days. • Receipts, rebuilt: a spending chart, top categories and a photo grid. Group by month, quarter, or personal vs business, and export any group. • My plan (Premium): set each card's payment, compare your balances now vs after, then save or export the plan. • Payoff Planner now starts from a realistic budget. • Contact, support, privacy and terms are all in the Menu. • Fixes: no more blank screen after closing the Menu, and Last 4 always keeps four digits. Premium now includes My plan, the full Payoff and Liquidity tools, extra Insights, and monthly and quarterly receipt reports.

Credit Hub 2.0: a whole new look, built for at-a-glance. Everything's new on screen • A new golden design: frosted-glass screens and the LotusBloom lotus turning as you scroll • A new opening video when you launch the app Home • One number for your utilization, plus exactly what to pay next and by when Calendar globe • All your cards on one glowing globe: red, yellow, green and grey • Tap a color to see just those cards around the month, with clear markers for payment due vs. statement close Cards, redesigned • Charts instead of paragraphs: how full each card is, interest per month, and where your balance sits • Swipe through your cards one at a time New Insights tab • See where your utilization lands after your suggested payments Receipts • Spending by month and category, plus a photo grid of your receipts • Group by month, quarter or personal/business New Menu • Tools, Credit Health, settings and support, all in one place Premium • My plan: adjust each card's payment, compare current vs. after, and save or export as PDF or spreadsheet • Payoff Planner and Liquidity tools • Monthly and quarterly receipt reports, with reminders Plus fixes and speed improvements throughout. --- The Premium section says which features are paid, which avoids the complaint that the notes promised features people then have to pay for.

Free accounts now hold five cards instead of three. Credit Hub works by showing the whole picture at once — your blended utilization, what you owe against what's available, and which card is about to report high. That only tells you something once there are enough cards on the screen to add up, and three wasn't enough. Premium still lifts the limit entirely, along with the full payoff guide, advanced metrics and export.

Hand Credit Hub your statement and it fills the card in for you. Open the Cards tab and choose Import from a statement, or pick it inside any card you keep up to date yourself. Give it the statement PDF your bank provides and it reads the balance, credit limit, statement dates, APR and minimum payment straight off the page. Scanned statements work too. Transaction exports are still accepted in OFX, QFX, QBO and CSV, though those carry fewer of the numbers. Everything it finds is shown for you to check before a single field is saved, and each value is a tick you can clear. Anything already on the card stays as it is unless you say otherwise, so importing never quietly replaces a figure you typed yourself. You can also start a brand new card from a statement rather than filling in the form by hand. Import appears on the New Card screen, and on the Cards tab before you have added anything at all. Also fixed: statements dated with a two-digit year, like 09/25/26, were read as the year 26 rather than 2026, which threw off the dates worked out from them.

Adding a card by hand now keeps everything you type. Rates accept the % sign and balances accept dollar signs and commas, so you can copy a number straight off your statement without reformatting it. The statement close and payment due fields ask for a day of the month rather than a full date, and they say so. Enter 25 for the 25th and Credit Hub repeats it every cycle, shortening it in months that end sooner. Cards you add no longer turn up twice. A card with no due date entered was being counted as due on the 1st, which put it in your attention list as a bill that did not exist. Credit Hub now leaves a date blank when you have not given it one, and tells you what is missing instead of filling it in. Export your calendar as a PDF or an Excel workbook. Tap Export on the Calendar tab and pick a format. The PDF opens with six months of statement and payment dates, then your full card list with totals, kept separate for Personal and Business. The Excel file is the same three views as real worksheets, with money and percentages as numbers you can sum. You can still export a .ics calendar, and you can share any of them or have Credit Hub email them to you. Import a statement instead of typing it in. On any card you maintain yourself, open Update balance and choose Import a statement, then pick the transaction file your bank gives you. Credit Hub reads the balance out of it and shows you the arithmetic before saving anything. It only ever updates your balance, plus the credit limit and close day if you ask it to. Your APR, minimum payment and due date are never changed by an import.

Personal and business, side by side. • Home now shows what you owe on personal and business cards separately, each with its own utilization ring. Swipe between overall, personal and business without leaving the screen. • The Cards tab shows the same split under your total balance. Tap either figure to filter the list to those cards. • Cards that need attention now say which book they belong to, so a business card coming due no longer reads like a personal one. • Free accounts hold up to 3 cards and 3 receipts. Everything you already have stays, and Premium removes both limits. • Fixed a case where your card limit could be miscounted while offline.

A home screen that tells you what to do Credit Hub now opens on Home instead of your full card list. It ranks what actually needs you today — a payment coming due, a balance that's gone stale, a card about to report high utilization — and tapping any of it goes straight to the fix. Cards needing attention are labeled personal or business. Tiles show what's waiting in Cards, Receipts, Score and your Calendar before you open them. Calendar moved from the tab bar to a tile on Home, which shows your next due date right on it. Also in this release Your Score tab now has an action plan — how much to pay on each card, and the date to pay it by, to bring your reported utilization down. Refreshing balances actually refreshes, shows you it happened, and can run on a schedule you choose. Every card shows when its numbers were last known to be right, so a synced balance is distinguishable from one typed in six weeks ago. Utilization is calculated only on accounts it applies to. Loans and lines without a credit limit no longer inflate the percentage. Cards where your bank doesn't share a credit limit now say so instead of showing zero, and their billing cycle still works. Cash-advance and balance-transfer options are priced against your real cards, rates and limits. The due-date optimizer tells you the exact change to ask each issuer for. You can disconnect a linked bank from the card form. Fixes to the receipt scanner, Plaid-linked cards, and balance-transfer APRs.

• Scan a receipt with the camera and have the date, amount, and store name filled in for you. • Fixed an issue where confirming a photo would open your photo library instead of saving the receipt. • The store name is now read from the receipt's heading instead of a random line, so it's correct far more often. On a creased or faded receipt the field is left blank for you to fill in rather than filled in incorrectly. • Fixed an issue where receipts with large photos could fail to save. • Your receipts and cards are now stored on your device and included in your iCloud backup. Linked bank accounts continue to update automatically.

Fixes an issue where the Business tab showed personal card details beneath the business summary. Card lists, insights, the payoff planner and the due-date optimizer now all match the scope you've selected.