My Credit Cards

My Credit Cards


My Credit Cards automatically manages all your credit cards in one place!

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.

Recent changes:
Version 1.13
- Bug fixes
- Support added for cancellations / reversal of transactions
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Free
79
4.0
User ratings
322
Installs
10,000+
Concerns
1
File size
2223 kb
Screenshots
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About My Credit Cards
My Credit Cards automatically manages all your credit cards in one place!

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.

Recent changes:
Version 1.13
- Bug fixes
- Support added for cancellations / reversal of transactions

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User reviews of My Credit Cards
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Android Market Comments
A Google User
4 days ago
Brilliant Work Done This app is amazing. it is wonderful how easily it picks transaction amount from the alerts . Makes life so simple,besides having the privacy and the security of the credit cards also. I highly recommend to all the credit card users. I want you to fix a few bugs though. Payments done sometimes dont get recorded. Despite of the sms. There should be a way to enter or edit details also. just in case if there are refunds processed for cards are not recorded. Emis which run on cards are not recorded....But so far...a fantastic app. If you fix the bugs..you deserve 5+ stars...
A Google User
5 days ago
Great app for credit card users Really amazing.....best app for credit card user...all user should download this app ....it gives great convinence ...all the transactions in one place...no need to do anything ...just shop & forget everything...this app will tell u everything......love this app...
A Google User
6 days ago
Really awesome Brilliant idea
A Google User
Jul 19, 2014
Good app
A Google User
Jul 19, 2014
Good but not work on HSBC bank sms SMS come from HSBC bank VM-HSBC IN LM-HSBC IN are not added automatic by this aap. Plz do something