CardTriage

CardTriage is a mobile + web app (traditional + AI) that tells you exactly which credit card balance to pay, transfer, or negotiate first—based on your real APRs, promo end dates, utilization impact, and cash-flow. You connect accounts via Plaid, and the app builds a payoff plan that adapts weekly as balances and spending change. It flags “interest traps” like deferred-interest promos, upcoming 0% expirations, and cards that are quietly raising APR. The AI layer explains your best move in plain English and generates scripts/messages to request APR reductions, hardship plans, or fee reversals. It also simulates outcomes: avalanche vs snowball vs balance transfer vs consolidation loan, including fees and credit-score tradeoffs. This is not another budgeting app; it’s a decision engine for debt actions with reminders and one-tap call prep.