CardyOz - Smart Card Manager

🎯 NEVER MISS A CREDIT CARD PAYMENT AGAIN!

CardyOz is your intelligent credit card management companion that automatically reads your bank SMS messages to track statements, payments, and due dates - all in one beautiful dashboard.

✨ KEY FEATURES

📱 AUTOMATIC SMS PARSING
- Automatically detects credit card statement and payment SMS
- No manual entry needed - just grant SMS access once
- Supports 15+ major Indian banks including HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, IndusInd, and more
- Background sync every 6 hours keeps your data up-to-date

💳 SMART STATEMENT TRACKING
- View all your credit card statements at a glance
- Clear separation of upcoming and overdue payments
- Track total due, minimum due, and payment progress
- Automatic payment status updates when you pay your bills

💰 PAYMENT MANAGEMENT
- Automatically links payments to the correct statement
- Manual linking for unlinked payments
- Full payment history for each card
- Visual progress indicators showing how much you've paid

📊 INTUITIVE DASHBOARD
- Clean, modern interface with Material Design
- Group statements by card for better organization
- Collapsible sections to reduce clutter
- Quick overview of total upcoming and overdue amounts

🔔 SMART NOTIFICATIONS
- Get notified when new statements arrive
- Alerts when payments are detected
- Never miss a due date with timely reminders
- Background processing even when app is closed

🏦 MULTI-CARD SUPPORT
- Manage unlimited credit cards from any bank
- Custom card names for easy identification
- Separate tracking for each card
- Support for multiple cards from the same bank

🔐 PRIVACY & SECURITY
- All data stored locally on your device
- No cloud upload - your financial data stays private
- Open-source and transparent
- SMS permission used only for credit card messages

🎨 BEAUTIFUL DESIGN
- Modern Material Design interface
- Dark mode support
- Smooth animations and transitions
- Optimized for Android 13+

⚡ POWERFUL FEATURES
- Mark statements as paid individually or in bulk
- Detailed statement view with full SMS content
- Payment history with dates and amounts
- Offline-first architecture for speed

🛠️ SMART AUTOMATION
- Automatic placeholder statements for early payments
- Intelligent statement merging when actual bill arrives
- Duplicate detection to prevent multiple entries
- Background worker for hands-free operation

📈 PERFECT FOR
- Managing multiple credit cards
- Tracking payment deadlines
- Avoiding late payment fees
- Monitoring credit card spending

💡 HOW IT WORKS
1. Grant SMS permission on first launch
2. App automatically scans and imports credit card SMS
3. View statements organized by due date
4. Get notifications for new statements or payments
5. Mark payments as complete when you pay

🌟 WHY CHOOSE CARDYOZ?
- 100% Automatic - No manual data entry
- Works with all major Indian banks
- Beautiful, intuitive interface
- Privacy-focused local storage
- Lightweight and fast

📱 SUPPORTED BANKS
HDFC Bank, ICICI Bank, SBI Card, Axis Bank, Kotak Mahindra, Yes Bank, IndusInd Bank, RBL Bank, HSBC, Citi Bank, Standard Chartered, Bank of Baroda, PNB, Canara Bank, IDFC First Bank, AU Small Finance Bank, Federal Bank, and more!

🔄 AUTOMATIC BACKGROUND SYNC
CardyOz works silently in the background, checking for new credit card SMS every 6 hours. You'll always have the latest information without lifting a finger.

⚠️ PERMISSIONS REQUIRED
- SMS: To read credit card statement and payment messages
- Notifications: To alert you about new statements and payments
- Background processing: For automatic SMS sync

🆓 COMPLETELY FREE
CardyOz is completely free with no hidden costs, subscriptions, or premium features. All features are available to everyone!

📧 SUPPORT & FEEDBACK
We're constantly improving CardyOz. Have suggestions or found a bug? Contact us at support@apprerum.com

Recent changes:
Improved Statement and Payments categorization
Bug fixes