My Credit Cards for Android
My Credit Cards will store all information related to your credit card on your android phone by automatically understanding the messages that the banks send to you without fail! Everytime you carry out a transaction or make a payment or a bill is generated for your credit card, your bank sends you a SMS informing you of that. Now, ourselves, with all thats going on in our lives and so many cards that we own anyway, it's next to impossible to keep a track of all this. They serve as good updates, but the only way for us to find out what our current unbilled is or how much payment needs to be made this month or anything else, the only way to do it maintain a ledger somewhere.
My Credit Cards simplifies all this. My Credit Cards reads these SMS, understands them and collates them in one place - on your android phone.
How does this work?
By itself! :)
On a more serious note, here's a description of how it works:
- It reads incoming SMS (on installation / update, it will read SMSs in your inbox)
- It sends the SMS to our server (This is a point of contention, we understand, hence, we've given our thought process below)
- The server understands the SMS and reverts with the key information from it
- The mobile application receives this information, performs the relevant tasks and stores the information on a local database
Thats it! Whenever you open the app, all information about your credit card is organized and waiting for you...
Which Credit Cards work with this app?
Currently, we support the following banks:
- HDFC Bank
- Citibank
- ICICI Bank
- IndusInd Bank
- American Express
- Standard Chartered (Regular / Manhattan)
- American Express
- HSBC
- SBI
- Axis Bank
We'll keep expanding this portfolio of supported cards - thanks to our policy of processing the SMS online on our server.
Why do we send your SMSs to our server?
First off, we never store / read any of your personal SMS.
Our objective : To provide a consistent and un-broken experience for our customers.
The problems :
1. Banks keep changing their SMS formats
2. Every bank sends 4-5 different kinds of SMSs - for transactions, for payments, for bill generation and then there are variations amongst these. Multiply that with the number of banks and we have a huge no of possibilities. Also, these are ever-changing possibiliities.
Our solution : We maintain the various "parsers" (a SMS format) on our server so that we can keep them updated. In which case, all the app needs to do is, send the SMS to the server and it will always know what to do with it.
Do we store any personal information about you?
No. At no point in time can we identify you with any personal information like your name, mobile no, your complete credit card no or your email address. The application generates a unique identifier on your phone the first time you run it and that is the only identification token that we have.
Now I can know my credit spendings in just one click. Needed an ads free version
When I installed it that time my all transactions were shown in this app. But now it's not detecting transactions.
Please link all the credit card details to registered mail I'd. If the mobile lost or wiped out we are missing the transaction history..
App is not working .and it is not showing the update on time . Since two days onwards .I am using my card but it is not showing any details .
Changing my rating from 4 stars to 1 star. Doesn't read expenses. Doesn't update payments automatically. Not worth downloading the App.
Helping me to manage card payment
This app provide many types of credit card detail.
Showing wrong bills and ADs Will freak u out..
Because unbeled amount is not carrect ok
Good. Edit " too much ads, interferes a lot. Uninstalling. Rated to *
Excellent
I love my mom
I like it
The app is very useful.
Only showing getting data
Not detect to read standard chartered bank sms even though after adding 4 digit of card very sad
I love it...It helps me very well in managing credit cards and transaction. The only crap is ads.. Giving 4*.
Having issues with HDFC SMS, and bill generation, it is taking the balance limit as payable
Very simple. Uses ur msg history to tell you how much is owed
Not updating properly, on time
So very good aap simply using aap
Very very nice app
Not reading SMS...
App now reads sms-es... Problem resolved
Nice app
Very useful...
I loved it
Not tracking probably
Very basic stuff. No useful derived info.... It's just a data capture... No value add
It's helpful for all credit card users. ...i suggest this application to all my credit card user friends.
Not able to detect to read standard chartered bank sms even after adding the card last 4 number manually so not that useful for me..Pl fix the issue
Need improvements. Plz add PNB and other banks also.
Liked the app cos its the only one I've seen that automatically captures data from SMS. Sometimes it's a pain coos it won't record all the transactions... Otherwise quite helpful.
Can you explain the security of this app?. The device is sending all the SMS means then you can see all my message. Then what us the security? Give detail explanation. Your answer would be much more useful for all other
App send your private messages over the network so privacy is blown away.
its a good app but some sms are missed, plz fix the bug thx
& not extra opesh
Have an option to mark expenses as personal or official
Keeps me updated with my Expenses.
by D####:
Very good app, liked the concept.. Has some flaws such as not supporting std Chtd bank and dashboard showing incorrect unbilled amount, still liked it..take this the next level...