Your cards.
One simple plan.
CRNCH tells you exactly what to pay, when to pay it, and why it matters.
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Americans carry $1.14 trillion in credit card debt. Most people don't know what to pay first. CRNCH does.
Every card.
One clear picture.
Bilt Obsidian
69%
$160
Chase Prime
64%
$400
Apple Card
59%
$275
BofA Rewards
54%
$825
+7 more
0%→0%
Drop below a threshold. Your score jumps overnight.
Thresholds that matter.
Every one you cross can raise your score.
3
4
8
5
4
<10%10–29%30–49%50–69%70–89%90%+
You set a budget.
CRNCH does the rest.
It splits your money into waves — each one designed to cross a threshold that matters.
Monthly
$3,000
Minimums
$472
Extra
$2,528
Each wave
moves the needle.
Wave 1
May
01
$5,528
• 1 card below 70%
• 7 cards below 50%
• 2 cards below 10%
Credit limit cut?
CRNCH catches it.
It tells you exactly what
and when to pay —
Minimizing the damage.
Three steps.
Problem solved.
What happened
Chase cut your limit by $2,000. You're now at 71%.
Why it matters
A spike can trigger reviews across your whole profile.
What to do
Pay $2,400 to get back below 70%.
Pay $2,400 to fix now
It catches
what you miss.
Limit reduced
Chase dropped your limit by $2,000
Getting high
3 cards are above 70%
Reports soon
Apple Card reports in 3 days
“Pay before the statement close — not the due date.”
The single biggest thing most people miss. The insight behind everything CRNCH does.
Take control.
For anyone juggling more than one card.
We'll email you about early access. You can unsubscribe any time.