Ultimate Credit Card Health Tracker | Spend, Pay, Improve Score

Take full control of your credit health with this all-in-one Credit Card Tracker system.
Built for Notion, this template helps you manage multiple credit cards, track transactions, stay ahead of due dates, and monitor your credit score month by month.

From daily swipes to long-term credit goals, every action is connected — so you can reduce debt, avoid late fees, and boost your score with confidence.

🔍 Want to explore the system first?
You can view a live preview of the template in action (read-only mode):

✅ What’s Included:

💳 Credit Cards Dashboard
Track up to 100 cards with full details — including current balance, APR, utilization %, limits, and next due dates.

📆 Due Date Automation
Smart formula-based due tracking with monthly, biweekly, weekly, and quarterly options. No more missed payments.

📂 Card Transactions Log
Log every swipe, refund, and payment. Automatically calculates effective spending and updates card balances.

📊 Monthly Credit Score Tracker
Track score trends, sources (Experian, Credit Karma, etc.), and models (FICO, VantageScore). Auto labels Excellent → Poor.

📈 Score Summary & Health Score
Yearly score averages, best/worst months, and a dynamic credit health indicator.

🧠 Insights & Tips
Automatic utilization warnings (e.g. “Pay down $800 to stay under 30%”) and monthly on-time payment stats.

🔁 Fully Linked System
Everything updates across cards, months, and goals — giving you a centralized hub to stay in control.

🧠 Who It’s For:

• People managing multiple credit cards
• Those working to improve their credit score
• Budgeters who want deeper credit visibility
• Notion power users who want real automation

🎨 Style & Compatibility:

• Designed in dark-light neutral theme
• Uses Notion-native formulas (no integrations)
• Works with both free & paid Notion accounts

This isn’t just a tracker — it’s your full Credit Score Control Hub.