Your balance gets reported when your statement closes — not when it's due. Guardian tells you exactly when to pay so your utilization reports low. That's one of the fastest ways to protect your score.
Paying by the due date keeps you from a late fee — but by then your high balance may already be reported to the bureaus. The date that actually moves your score is the statement closing date.
Pay it down a few days before the statement closes, and a low balance gets reported. Guardian watches that date for every card you add and reminds you in time.
Enter each card's statement-closing date and credit limit. That's it — no account numbers, no logins.
A few days before each statement closes, we ping you: pay this card down now to keep it reporting low.
You make the payment yourself from your own bank or card app. Guardian never moves your money — it just tells you when.
No card numbers. No bank logins. No stored payment credentials. Guardian works purely off the dates you type in. Everything the tool tells you is a reflection of the information you entered — we simply remind you when to act. You always make your own payments.
No paperwork, no logins, no card numbers. Just two details off any card you want us to watch:
Both are right in your banking app — or on your statement. Once you're in, we walk you through exactly where to find them (and give you every card issuer's number if you'd rather call).
We're opening Guardian to a first group of founding members. Join the list and you'll be first in line — and lock founding pricing — when it goes live.
You're locked in for founding-member access. We'll reach out the moment Guardian opens — first in line, founding price.
