Statement Day

Pay before your card reports

Only for iPhone

Free · In‑App Purchases

iPhone

Set the day a lender will pull your report. Statement Day works backwards through every card and tells you the first date you are clear to apply. The balance a lender sees is the one on your statement. Not the one you pay off later. Most people pay their card in full every month and still show a high balance on their credit report, because the balance that gets reported is whatever was on the statement the day it closed. Pay after that and the damage is already done for the month. Statement Day works out what to pay each card, and by which day, so the number that reaches your credit report is the number you meant. TELLS YOU THE DAY YOU ARE CLEAR TO APPLY Set the day a lender will pull your report. The app works backwards through every card, adds the lag between a statement closing and the balance appearing on your file, and gives you the first date everything will have reported the way you planned. TURNS THAT INTO A LIST OF PAYMENTS Each card gets a pay-by date and an amount, chosen so the card reports what you want it to. Pay by those dates and the rest takes care of itself. SHOWS THE WHOLE MONTH AT ONCE Closing dates, pay-by dates and the day you are clear, on one calendar. Each card has its own colour so you can follow it across every screen. EXPLAINS THE JARGON Closing date, bureau lag, utilization, AZEO. Every term has a plain-English explanation and a short walkthrough of where to find it on your own statement. NO BANK LOGIN. NOTHING LEAVES YOUR PHONE. You type in your limits, balances and closing dates. There is no account, no server, and no connection to your card issuer. The app has no network code in it at all. FREE AND PRO The free version plans two cards and includes the application-date planner, the calendar, and a reminder before each pay-by date. It is not a trial. Pro is a single payment, not a subscription. It adds every card you own, a second reminder three days out, extra strategies including AZEO and per-card targets, planned spending, and theme choices. The two most relaxed targets stay free on purpose. If you are carrying balances you cannot clear this month, the setting that helps you is not the one you should have to pay for. HONEST LIMITS This is a planning tool, not credit advice, and it does not talk to your bank or the credit bureaus. The dates and amounts are worked out from what you enter. Issuers occasionally report on days other than the closing date, and scoring models differ from one another.

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Cards with no preset spending limit, like the Amex Gold and Platinum, are now handled properly. They no longer distort your overall utilization, and Statement Day is honest that there is no percentage to report for them rather than inventing one. You can also redeem an offer code from inside the app.

Version 1.1

The developer, THIEN SAMUEL PHUOC PHAN LE, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    THIEN SAMUEL PHUOC PHAN LE
    Size
    19.3 MB
    Category
    Finance
    Compatibility
    Requires iOS 15.0 or later.
    • iPhone
      Requires iOS 15.0 or later.
    • iPod touch
      Requires iOS 15.0 or later.
    Languages
    English
    Age Rating
    4+
    In-App Purchases
    Yes
    Copyright
    © 2026 Samuel Phan Le
  • Developer Website
  • Privacy Policy

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