Help center · Accounts
How credit-card accounts work
Extra fields drive due-soon warnings and annual-fee tracking.
On this page
A Credit card account in Extrack carries five extra fields beyond a regular account: "Statement closes (day)", "Payment due (day)", "Annual fees", "Min. annual spend" and "Annual fee renewal date". The opening-balance field is labelled "Credit limit". Statement and due days power the Home page "due soon" warnings; positive annual fees automatically create a yearly recurring template.
Statement vs payment due
"Statement closes (day)" is when the bank closes your billing cycle and issues a statement (1–31). "Payment due (day)" is the deadline to pay it without interest (usually 15–20 days after statement). Both feed the dashboard "due soon" surface when within the warning window.
Annual fee tracking
Set "Annual fees" and "Annual fee renewal date" and Extrack creates a yearly recurring template that surfaces the fee under Recurring → Due each year. The note under the form reads: "Positive annual fees create a yearly template on Recurring."
Min. annual spend
Some cards waive the annual fee if you spend above a threshold. Set "Min. annual spend" to track progress — it does not enforce anything, just gives you a target visible on the card detail.
Frequently asked
My card has no annual fee — leave the field blank?
Yes. Set Annual fees to 0 (or leave blank). No recurring template is created.
How do I record the bill payment?
As a Transfer from your bank to the credit-card account. See "How to track credit-card purchases".
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