That 0% promo rate expires whether you're ready or not. MBA tracks every window, tells you exactly what to pay and when, and makes sure you're not blindsided by deferred interest when the clock runs out.
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"I built MBA because I watched my own credit card debt climb from $20k to $35k while I was technically making payments. The problem wasn't discipline — it was that I couldn't see the board. I didn't know which promo was expiring first, how much I'd owe in retroactive interest if I missed it, or whether a balance transfer would actually help. No app told me any of that. So I built one."
Most tools show you your balances. MBA shows you the moves — ranked by what costs you the most if you get them wrong.
Reads directly from your PDF statements. Tracks every 0% window, shows the exact day deferred interest kicks in, and warns you 90 / 60 / 30 days out.
Enter a transfer offer and get net savings, break-even month, and a plain-language recommendation — accounting for the transfer fee and your current APRs.
Avalanche and snowball sequencing that accounts for promo expiry timing, not just APR rank. See total interest for each extra-payment scenario side-by-side.