Features
Tagline: Smarter credit line usage starts here.
LineWise is a credit card strategy assistant for managing utilization across credit lines and building smarter credit habits.
Using user-permissioned financial data, LineWise tracks balances, credit limits, available credit, utilization, statement balances, estimated closing dates, and due dates across connected credit card accounts. The app provides a single clear dashboard, smart reminders, and suggested actions so you can understand how your total credit lines are being used, manage utilization across multiple cards, and plan payments around key statement and due dates.
Five core anchors
Features map to five product anchors. See Introduction for the full overview.
1. User-permissioned financial data
All account data is accessed through connections you authorize — you control what LineWise can read.
| Feature | Description |
|---|---|
| Bank & card linking | Connect checking/savings and credit card accounts via Plaid Link |
| OAuth authentication | Sign in at your bank and grant consent — credentials never shared with LineWise |
| Supported major banks | Bank of America, Chase, J.P. Morgan, Morgan Stanley, Citi, U.S. Bank, Wells Fargo, etc. |
| Reconnect / update mode | Refresh connections when a bank requires re-authentication |
| Automatic data refresh | Updates when your bank reports changes and on a daily schedule in your timezone |
| Connection status | Refresh status, data source, and last updated time per account |
2. Use credit more strategically
| Feature | Description |
|---|---|
| Payment timing guidance | What to pay, when, and why — LineWise does not move money on your behalf |
| Statement cycle awareness | Understand closing dates vs. payment due dates |
| Pay before closing reminders | Alert when estimated statement closing is within 5 days |
| Pay before due reminders | Alert when payment due date is within 7 days |
| Smart payment timing suggestions | Consider paying before closing or by due date based on your balances |
Payment timing principles:
- Keep utilization within your selected target range
- Pay down most of the balance before the statement closing date when appropriate
- Plan statement balance before closing with the Statement Balance Planner
- Pay the statement balance by the due date to help avoid interest
3. Optimized total credit line usage
| Feature | Description |
|---|---|
| Total credit line | Sum of credit limits across connected cards |
| Per-card credit limit | Individual line size from your institution |
| Available credit | Remaining headroom on each line |
| Current balance | Live balance per card |
| Statement balance | Last reported statement balance |
| Portfolio totals | Aggregated balances, limits, and available credit on the dashboard |
| Per-card utilization % | Current balance ÷ credit limit |
| Total utilization % | Combined balance ÷ combined limits across all cards |
| Utilization target | User-selected range for healthy usage |
| High-utilization alerts | Warning when a card or total usage exceeds your target |
| Suggested card to use next | Suggests the card with lower utilization and more available credit, if it fits your spending plan |
Utilization bands
| Band | Meaning |
|---|---|
| Healthy | Within your selected target range |
| Watch | Approaching your target limit |
| High | Above your target range |
| Action suggested | A payment or usage adjustment may help you stay organized |
4. Single clear dashboard
The Credit Line Dashboard brings connected cards into one organized view.
Portfolio summary:
- Total credit limits, balances, available credit, and utilization
- Cards needing attention
- Upcoming due dates and estimated closing dates
Per-card detail:
Each connected card shows:
- Card and institution name
- Current balance and statement balance
- Credit limit and available credit
- Utilization percentage and band
- Due date and days until due
- Estimated closing date and days until closing
- Suggested status — Good · Watch · Action suggested · Urgent
5. Smart reminders and suggested actions
| Feature | Description |
|---|---|
| Smart reminders | Timely nudges refreshed daily in your local timezone |
| Suggested actions | Practical next steps based on your connected account data |
| Pay before closing suggestions | Amount to consider paying that may help keep reported balance lower |
| Pay before due suggestions | Pay statement balance by due date to help avoid interest |
| Reduce utilization suggestions | Pay-down guidance when a card is too high |
| Suggested card for next purchase | Daily suggestion based on current utilization across connected cards |
| Alert | When you see it |
|---|---|
| High utilization | A card is in High or Action suggested band, or total usage is above target |
| Pay before closing | Estimated statement closing within 5 days |
| Pay before due | Payment due within 7 days |
| Reconnect bank | Your bank connection needs to be updated |
| Suggested card | Daily suggestion for your next purchase, if it fits your spending plan |
Reminders are refreshed on a daily schedule in your local timezone (default morning hours). Set your timezone in app preferences when available.
What LineWise is not
LineWise is not a credit repair company, lender, debt settlement provider, or credit bureau. LineWise does not guarantee credit approval, credit limit increases, lower rates, rewards, or credit score improvement. Credit scores are determined by credit bureaus and scoring models using multiple factors.
Coming soon
- Credit-Smart Habits — monthly summaries and utilization trends
- Insights — monthly credit strategy report and "what changed this month" view
- Email and push notification delivery for reminders
- Historical utilization charts
- Native mobile apps with bank App-to-App OAuth