APRGuard

APRGuard is a mobile + web app that monitors your credit card APR, promo periods, and fee triggers, then alerts you before costs hit. You connect your cards (via read-only bank connections) and the app builds a simple “interest risk calendar” showing when 0% promos end, when deferred-interest traps apply, and how much interest you’ll pay if you only make minimum payments. It also suggests realistic payment amounts to hit a target payoff date and flags when a balance transfer or card downgrade could save money—without pretending it can magically fix bad spending habits. The app focuses on preventing expensive surprises: rate hikes, missed promo deadlines, and late-fee cascades. It’s not a credit score vanity dashboard; it’s a cost-control tool that tells you what will happen to your money next month if you do nothing.