Suggest new cards based on spending
it would be nice to see recommended cards based on spending habits; ie. Some spend a lot on dining out. You could recommend them a card that offers good points for dining out. Or, I as the user could enter categories that are important to me, and you all could pop up a list of cards that would be the most beneficial for those categories.
Notification if card not used for X months (6,9,12)
Cards with no or low rewards but open for many years should offer notification if card has not been used for a certain time period so it can be used before automatic closing for non use. Closure could directly impact credit score due to change in length of credit history.
Track our reward to annual fee ratio to see how much money we get back after annual fees
So then we know if any cards need to be dropped or rotated out of
Card Anniversary date
It would be nice to have the Anniversary date to pull up on each of our cards. This would be easier and similar approach to retention bonus?
I have a card through my credit Union that is managed by Elan Financial services and the card information/login is through credit card account access
As part of new card suggestions, show which credit bureaus will get a hard inquiry
This feature could help card application strategy, for example by distributing hard inquires more evenly across bureaus. Which credit bureau(s) a card application looks at (hard inquiry, aka hard pull) depends mainly on the issuing bank and the state of residence. Data could be pulled from places like Doctor of Credit, or could be crowdsourced by MaxRewards itself.
Statement Closing Date
Would be a great add in the same section as due date for each card so people trying to improve their credit score can lower their utilization by paying it down to under 10% before the statement closes and is reported to credit bureaus
If a new credit card is not in MaxReward system. Let us at least add the card details to our portfolio to help track utilization rate.
I have a new credit card from a local credit union that isn’t registered in the system. I want add a nameless card to my portfolio where I can manually type in the total line of credit and amount still own to track my utilization rate. This would be a useful feature in my opinion.