Credit Wallets
Everything you need to know about managing credit cards and pay later accounts.
Contents
1. Introduction to Credit Wallets
Credit wallets help you track credit card spending and pay later services. There are two types:
Credit Card
Traditional credit cards with a credit limit, monthly billing cycle, and minimum payment requirements. Supports installment purchases.
Pay Later
Digital pay later services (like GoPay Later, ShopeePay Later, etc.) with a spending limit and installment options.
2. Creating a Credit Wallet
Click "New Wallet" on the Wallets page.
Select "Credit" as the wallet type.
Choose "Credit Card" or "Pay Later" as the card type.
Enter your credit limit and settlement day (the day of the month your bill is due, 1-31).
Click "Create Wallet". You're all set!
3. Understanding Your Credit Display
Credit wallet cards show several key pieces of information:
Outstanding Balance
The total amount you currently owe. Shown prominently at the top of the card.
Credit Utilization Bar
A visual indicator of how much of your limit you've used. Color-coded: green (0-50%), amber (50-75%), red (above 75%).
Available Credit / Remaining
Credit cards show "Available Credit", while Pay Later shows "Remaining" -- the amount you can still spend.
Due Date Indicator
Shows when your next payment is due with color-coded urgency: green (more than 14 days), amber (7-14 days), red (less than 7 days).
4. Recording a Purchase
When you make a purchase using your credit card or pay later service:
Click "Purchase" on the card or use the dropdown menu.
Enter the total amount, choose the number of installments (1x for full payment, or 3x/6x/12x for installment plans), add a description, and set the date.
5. Paying Your Bill
When you make a payment on your credit card or pay later balance:
Click "Pay Bill" on the card or use the dropdown menu.
Enter the payment amount, optionally select the source wallet (to deduct from your bank account), and add a description. The payment is applied to outstanding installments automatically.
6. Viewing Your Statement
The statement view shows your monthly billing summary:
Click "Statement" on the card or use the dropdown menu.
Navigate between months to see your billing period, amount due, minimum due, and individual installment payments for each period.
7. Scanning Credit Screenshots
Instead of manually entering values, you can scan a screenshot from your banking app to automatically extract credit information.
Take a screenshot of your credit card or pay later app showing your balance, limit, and due date.
Click "Scan" on the credit wallet card or select "Scan Screenshot" from the dropdown menu.
Upload the screenshot. AI will analyze it and extract values like balance, credit limit, and payment deadline.
Review each extracted value. Toggle on/off which values to apply, then click "Apply Selected".
8. Due Date Alerts & Notifications
Never miss a payment with automatic due date notifications.
Automatic alerts at 7 days, 3 days, and 1 day before your payment due date.
Make sure your settlement day is set correctly when creating the wallet. Notifications appear in the notification bell and are delivered via SSE in real-time.