LimitLock

LimitLock is a mobile + web app (traditional + AI) that helps users proactively control revolving credit risk by setting “safe” utilization targets per card and automating guardrails. It connects to your credit cards via open-banking, reads balances and statement cycles, and forecasts utilization at the next reporting date. When you’re projected to exceed your target, it triggers actions you choose: reminders, suggested micro-payments, or auto-scheduling payments through your bank’s bill pay (where supported). The AI layer explains tradeoffs in plain language (e.g., why paying before statement close matters more than due date) and simulates scenarios like “what if I put $600 on this card today?” It also detects risky patterns (stacking BNPL + cards, repeated cash-advance-like transactions) and flags them early. This is not a magic credit-score booster; it’s a control panel to reduce surprises and late fees.