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How do you keep track of CC Bill payments ?

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Like Magnet
Vijay_Thalap...
I am using cred to see all cc bills . But since I don't pay using cred , I am manually writing in some notepad whenever I pay a bill. Looks not that efficient.

Some bank apps are good they show remaining bill due for the statement  period in their app like axis, hdfc, amex.  But for icici and some others I don't think such option is present, we have to manually calculate and in case of mutilple partial payments it becomes a bit more difficult.

How's are you guys doing it ,  Any app or easy way you are following ?



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Helpful Helpful
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Excel, with columns CC name, due date, amount. Once statement generated enter amount. Once paid make the amount cell yellow, post payment credit to CC make cell green

Coupon Connoisseur Coupon Connoisseur
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I maintain a excel and review them every 10 days, have around 20 credit cards and have arranged them in ascending order of bill date in a month and review them usually on 11th , 21st and first of every month or (+2,3 days) and check the statements for the corresponding set and pay them off.

doing since 2018, never missed a payment so far

Deal Lieutenant Deal Lieutenant
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@Vijay_Thalapathy ...  I had shared this earlier but due to poor searching on this website, I'm unable to find my post.

You can prepare an Excel spreadsheet with details you would like to track, sharing a snapshot here of it and you can prepare one yourself :

image

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Deal Cadet Deal Cadet
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I just keep a maximum of 1 CC at a time

Pro Shopping Friend Pro Shopping Friend
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Cred for me

Talk-Of-The-Town Talk-Of-The-Town
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I maintain a to-do list for each month in Microsoft todo for all my bills (not just cc bills)

I just tick items off as I pay them

Deal Newbie Deal Newbie
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same

Spearhead Spearhead
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I use my brain plus whatsapp...

Whatsapp me message yourself ka option hota h chats me, har mahine jis-2 cc ka bill ata rehta h , i note down in that chat using it as a notepad for all the things, due dates mjhe sb yad rhti h kb kiski h, i pay on time or b4 due date... Itna bhi mushkil nh h, dimag ka use kro, to ye faltu me apps wagera ki jrurat nh h, hum ne bs dimag ka use krna chhod dia h aj kal, we are dependent on apps...




Screenshot20240815-202532

Helpful Helpful
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What's the maximum no of cards you track with this method?

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Helpful Helpful
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Excel, with columns CC name, due date, amount. Once statement generated enter amount. Once paid make the amount cell yellow, post payment credit to CC make cell green

Commentator Commentator
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"In Cred, I update my account whenever I pay  from another party."

Like Magnet Like Magnet
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Thanks, i didn't know that we can manually update. 
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Deal Subedar Deal Subedar
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"Google Keep" app or web
You will love it

Pro Shopping Friend Pro Shopping Friend
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Is it like color note or cred?

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Deal Cadet Deal Cadet
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Samsung reminder functionality. It automatically fetch from Samsung messages and create a task with reminder. Never miss the single bill payment yet through these reminder task features. 

Deal Cadet Deal Cadet
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How this thing wor

works?

Deal Subedar Deal Subedar
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Bhai are you able to transact using gostas card at utility and wallet load MCC merchants??

Deal Cadet Deal Cadet
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I've made a simple checklist of all the credit cards' names and have set the same bill generation date for all of them. I'm then paying them all on the same day, mostly on 30-31st or sometimes 1st, so I'm never confused if I have any pending dues or not. And whenever I pay any bill in advance, I tick it off from the list in my phone.

Since I'm using Mobikwik for the 1% cashback and have given it access to my Gmail, I also rely on it to quickly check the bill amount of all the cards, instead of searching for emails from different banks.

Deal Subedar Deal Subedar
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Excel sheet

Hotshot Hotshot
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use cred. i also don't use it for payment only for bill checking

Coupon Connoisseur Coupon Connoisseur
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I maintain a excel and review them every 10 days, have around 20 credit cards and have arranged them in ascending order of bill date in a month and review them usually on 11th , 21st and first of every month or (+2,3 days) and check the statements for the corresponding set and pay them off.

doing since 2018, never missed a payment so far

Helpful Helpful
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Same here, I uploaded it to my drive so that it can be updated in real time any where anytime

Beacon Beacon
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Kept same bill genertion date for all cc

Heart of Gold Heart of Gold
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Using a Google spreadsheet to track the cc bill payments since the last two years. Make an easy format like the due date, due amount, reward points earned, etc and visit that spreadsheet twice a week. 

Deal Subedar Deal Subedar
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I use an Expense Manager + Excel sheet. Best to keep checking application also

Benevolent Benevolent
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CRED tracks well. I track with cred and pay via mobikwik thru dc. Once paid cred tracks it paid. 

Post Tycoon Post Tycoon
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How much does mobikwik give

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Benevolent Benevolent
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Once the bill is generated it will be updated on BBPS. u can easily track them on 3rd party apps like paytm.
if you have multiple card then synchronise statement dates of all your CCs.
Deal Lieutenant Deal Lieutenant
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@Vijay_Thalapathy ...  I had shared this earlier but due to poor searching on this website, I'm unable to find my post.

You can prepare an Excel spreadsheet with details you would like to track, sharing a snapshot here of it and you can prepare one yourself :

image

Deal Captain Deal Captain
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Bill due 10k on 5th September 

I paid 1000 10th aug

2000 19aug

4000 25aug

10k on due date..

Total paid 17k

Then what happens if

Scenario 1: In next bill, 5k only spends

Scenario 2: 15k only spends

Coupon Connoisseur Coupon Connoisseur
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Scenario 1:  your due will be -2000 , you don't have anything to pay and your future spends will get set-off against the balance 2000

Scenario 2: your due would be 8000 for 5th Oct
Commentator Commentator
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START PAY USING CRED THERE ARE NO OFFERS FOR CREDIT CARD BILL PAYMENT NOW.

Deal Cadet Deal Cadet
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I use "Easy bill Reminder" App.

Post Emperor Post Emperor
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Use Microsoft To do App

List all credit card due date (with repetition allowed monthly)

If u paid fully tick it

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To track details payments details use excel sheet

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Benevolent Benevolent
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Is Microsoft To do App any different from other check list apps? OMG, that excel sheet made my mind eating circles. dizzy_face

Deal Newbie Deal Newbie
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Timely Bills App for all bills. it needs to be manually updated (as we do in excel). but its reminder and recurring functionality is awesome

Deal Newbie Deal Newbie
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I too use this app , it's the modern solution

The PostMighty The PostMighty
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Imo.. Memories and pay, works the best .. have 8 cc .. axis,  icici , hdfc , sbi .. with all different dates and partial payments .. or use Google keep ..

Or if app is preferred then ..

( cred or Cheq , Paytm , GPay , etc.  can keep track for you .. )

Like Magnet Like Magnet
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Same here.

7 credit cards here.

Just Memorize.

I pay as soon as the bill generates.

Deal Cadet Deal Cadet
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Microsoft SMS Organizer tracks all CC & other Bill due dates in a separate tab as reminders. Used to work flawlessly until a UI update ruined it all - may be for my OP8, but still very handy.
Apart from that Google Sheets maintained weekly, helps track.

Elite Elite
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I feel this app has a bug now, last week I uninstalled after using for 1 year, I missed many OTP and due to which unable to proceed transaction

Deal Newbie Deal Newbie
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I pay up a bill as soon as I get the statement generated SMS. Have 5 CCs 

Helpful Helpful
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cred...if paid some amount then cred has an option to deduct that paid amount from that particular cc

Cool Cool
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I use one note to write down all cc spends day by day & grand total all. My prefer billing cycle is 21th to 20th because this billing cycle gives one month rest to pay cc bills.

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