About
For years, I’ve tried notebooks, Excel, and later apps like 51 Credit Card Manager, Card Niu Credit Manager, Qucai Bookkeeping, and Suishouji. I even led my own company to develop a credit card bill management app. All of them follow a card management model centered on bill data, which is sourced from users’ email imports and online banking statements.
Admittedly, this management approach works well for most people: by analyzing the large amount of data users upload, these apps can tell you what cards you have, when payments are due, and how much you need to pay. But the huge amount of consumption data users share also brings the biggest problem: data security risks.
As a 10-year credit card veteran who can code, and a seasoned member of the credit card community, I’ve always wondered: do we really need to share so much data just to manage credit cards well? Is there no simpler solution that stores data locally?
The answer is yes!
Getting back to the core need of credit card management, I believe it should be a super simple task, with only three core requirements:
- When will my bill be generated? (Bill date)
- When do I need to repay? (Repayment date)
- Which card should I use today for the best value? (Interest-free period)
That’s why Card Miao is built around these three points, offering the simplest, most practical and most secure way to manage your credit cards.
Card Miao integrates with iOS’s latest home screen widgets, putting your card info directly on your home screen so you can check it at a glance the moment you unlock your phone.
Card Miao currently supports bill management services for credit cards from China Merchants Bank, China Minsheng Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Ping An Bank, Industrial Bank, CITIC Bank, Industrial and Commercial Bank of China, Bank of Communications, Bank of China, Postal Savings Bank of China, Hangzhou United Bank, Agricultural Bank of China, China Construction Bank, Hangzhou Bank, China Everbright Bank, Bank of Ningbo, Huaxia Bank, Bank of Shanghai, Harbin Bank, Guangzhou Rural Commercial Bank, Bank of Guangzhou, Bank of Jiangsu, Citibank, Bank of Beijing, China Zheshang Bank, Bank of Nanjing, HSBC, Chongqing Bank, Huabei, Alipay and more.
Card Miao has carefully sorted data from dozens of banks (including bill dates, repayment dates, grace periods, official bank app links, bank customer service numbers, etc.). It clearly tells you that credit card bill and repayment dates are not always fixed calendar dates – they may follow fixed day intervals. Did you know most cards have a grace period after the repayment due date? Card Miao also helps you find out which day is best for swiping your card to get the longest interest-free period.
Card Miao supports custom third-party app redirects: you can set URL Schemes to jump directly to the corresponding app to check bill details and make repayments.
Card Miao supports diversified reminder tasks, to notify you when it’s time to check your bill or repay your card at key moments.
Card Miao supports setting annual fee information for your cards, so you don’t accidentally pay hundreds of yuan in unnecessary annual fees due to carelessness.
In addition to credit card management, Card Miao also adds life bill management for recurring expenses such as car loans and mortgages, which you can also add and track in the app.
While Card Miao has always emphasized that transaction details are not the core of card management, we know many users care about recording their spending. That’s why we’ve launched a bookkeeping feature: you can record every transaction in Card Miao, and the app will automatically allocate it to the corresponding billing cycle based on the transaction time.
Most importantly, Card Miao is a fully offline app, with all data stored on your device.
