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Utilization
BALANCE VS. CREDIT LIMIT
22%
used
Outstanding balance$674.00
Credit limit$3,000.00
Available credit$2,326.00
You can still spend $2,326.00 before hitting your limit.
Payment cycle
NEXT DUE AROUND 20 OCTOBER 2026
Paid $300.00 of $800.00 owed — the remaining $500.00 will carry over.
Minimum payment$45.00
Statement balance$800.00
Interest charged this period$8.20
PAYMENTS THIS CYCLE
Online Banking Payment · Sep 10On time$200.00
Online Banking Payment · Sep 22Late$100.00
Health over time
UTILIZATION TREND + INTEREST PAID
18%
APR
23%
MAY
15%
JUN
27%
JUL
20%
AUG
22%
SEP
Utilization vs. last month+2.1 pts
Interest paid (last 6 months)$42.50
Utilization is trending up and interest has hit multiple months — worth a closer look before it compounds.
Recurring subscriptions
CHARGED TO THIS CARD
Spotify · ~day 1$10.99
Netflix · ~day 5$16.99
Amazon Prime · ~day 9$9.99
Locked in every month$37.97
What drove the spend
TOP CATEGORIES THIS MONTH
1
Dining
$360.002
Shopping
$214.003
Entertainment
$77.004
Subscriptions
$37.975
See the full breakdown in General View, filtered to this card →Transport
$22.10