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The simulator

See what your statement is about to report.

Add your cards, the charges you know are coming, and any payments you plan to make before close. The simulator projects what each card will report at its statement date — and what one move is worth in score and dollars of house.

Your cards

  • Closes ind
    Charges before close
    • $ind
    Payments before close
      Will report at close$1,689 · 51%
    • Closes ind
      Charges before close
        Payments before close
          Will report at close$120 · 2%

        Snapshot at close

        Aggregate utilization22%

        If you paid each card to 9% before close

        Aggregate5%

        Utilization drop

        −17 pts

        More house

        $10,234

        Loan delta from a lender estimate on a $9,500/mo income at 6.75%. We don't pull or predict FICO scores.

        Best move

        Reroute $731 from Quicksilver to Discover. Same money — but the snapshot taken this week stays low.

        Save these cards and get a heads-up before each close date.

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