📅 Pay before the close date — not just the due date
Card & loan leverage tool · No bank login · Lifetime $99

You're paying your cards wrong — and it's costing you points and cash. Founder shows what to pay before the close date — no bank login, ever.

The balance lenders see is set at the statement close — not the due date. DueSmart Founder tracks close dates, due dates, balances, 0% windows, and utilization for up to 25 cards and loans, so every card works like part of a disciplined system.

Get Founder Lifetime — $99 → Start free — 2 spaces
✔No bank login · No Plaid ✔2 critical dates per card ✔$99 once — up to 25 accounts
DueSmart — You're paying wrong! Pay before the close date. PAY BEFORE THE CLOSE DATE
The problem

Leverage is not the problem. Uncontrolled timing is.

Cards can act like short-term working capital — until the cycle gets sloppy and the bank starts winning. Here's where the money quietly leaks:

📸

Utilization reports at close — not the due date

Pay in full on the due date and the score can still read a maxed card, because the snapshot already happened. Founder shows what will report — while there's still time to pay it down.

💸

One late fee erases months of rewards

Late fees, penalty interest, forgotten minimums — the money-costing dates stay in front of you with reminders one to seven days out.

⏰

0% windows expire silently

A promo rate quietly becomes 20-plus percent. Set each card's 0% end date and Founder counts down — reminding you at 30, 14, 7, and 0 days out.

🃏

Five cards, ten dates, one memory

Most people track one date per card. Every card has two that matter. Scaling on credit multiplies the dates — Founder holds them all in one calm dashboard.

🔀

Personal and business tangled together

Tag and filter accounts by side, so you always know which books need attention before you apply for more cards, lines, or working capital.

🔒

Connecting your bank feels wrong

It should. Founder needs zero bank logins, zero Plaid, zero card numbers — a short form and your dates. You stay in control of your own data.

2Critical dates per card — most people track one
25Cards & loans tracked on Founder Lifetime
0Bank logins, passwords, or card numbers required
$99One-time — Founder Lifetime access
Inside Founder

The courses teach the moves. Founder executes them.

Built for anyone scaling on credit — restaurant operators, Airbnb hosts, resellers, agencies, investors, and everyday cardholders who want the timing clean.

01

Both dates, every card

Close dates and due dates side by side — so you pay before the balance reports, not just before the late fee.

02

0% window protection

Countdown chips on every intro-APR card with alerts at 30, 14, 7, and 0 days — pay it down or move it before the rate jumps.

03

Utilization control

See whether a card will report high before the snapshot, and keep reported balances where lenders like them.

04

Purchases & payments log

Record what went on the card and what came off — every account keeps a clean, running history you control.

05

Payment links & next moves

Each card's payment link one tap away, plus the next-best move so nothing waits on memory.

06

Personal / business tags

Separate the sides, filter in one tap, and walk into any application knowing exactly what each book looks like.

07

Reminders that arrive in time

One to seven days before every date that costs money — so the float never quietly flips into interest and fees.

08

Backup & mark paid

Mark payments done, back up your data, and keep the whole system portable — it's your information, not the bank's.

🎓

Serves all three course stages

Foundation, Repair, and Growth all teach habits — Founder is where you run them, and it's included with every course Stage Pass.

Call DueSmart · AI voice

Not sure it fits? Ask out loud.

Tap the microphone and hear Founder explained with a real voice — how close-date timing works, what Lifetime includes, and whether the free two spaces are enough to start. No sign-up. No pressure.

✔Explains every feature and every plan

✔The same voice family (Grace & Jordan) that lives inside DueSmart

✔Honest rules: a timing tool — never a lender or credit repair

EN · Patois · ES · FR · Kreyòl · PT

Plans

Start free. Own it for life for $99.

A short form unlocks two free spaces — no payment information requested. Upgrade only when your stack outgrows them.

Start here
Free — 2 Spaces

Set up in minutes, short form only

$0
  • ✔Track 2 cards or loans free
  • ✔Close dates + due dates together
  • ✔No bank login, no Plaid, no card numbers
  • ✔Record purchases and payments

Best for trying the system on your two busiest cards.

Unlock 2 Free Spaces →
🔥 Founder deal
Own it for life
Founder Lifetime

One payment, yours forever

$99 one time
  • ✔Up to 25 cards & loans tracked
  • ✔0% window countdowns + 30/14/7/0 alerts
  • ✔Utilization watch before the close-date snapshot
  • ✔Personal/business tags, reminders, payment links

Best for anyone running real life on more than two cards.

Get Lifetime — $99 Prefer annual? $39/year →
For operators
DueSmart Business

Run credit as working capital

$149/year
  • ✔Up to 100 accounts
  • ✔0% intro-APR window tracking across the stack
  • ✔Personal / business separation
  • ✔Priority support

Best for scaling on credit — inventory, ads, payroll, properties.

Get Business — $149/yr Founder-business rate $99/yr → · or $19/mo

Stated up front: DueSmart is a timing and organization tool — not a lender, funding service, or credit-repair service. It helps you manage credit you already have; it does not provide, arrange, or guarantee funding, approvals, or any score outcome. Recurring plans cancel anytime; secure Stripe checkout.