Know what your cards will report — before they report it.
Sonar tracks credit-card positions for people who revolve by timing, not distress. It learns each card's statement close and projects what each card is on course to report — recurring charges included.
One number, computed before it happens.
The projection. Statement close decides reported utilization; the due date only prevents late fees. Sonar is built around the close.
Three things your bank app won't tell you.
The close decides.
A card reports at statement close, not at the due date. The due date prevents late fees; the close sets the utilization the bureaus see.
Committed is already in the number.
Recurring charges that land before a close are as real as posted ones. Sonar detects them and counts them ahead.
Your line, marked.
A threshold is personal policy, not folklore. Sonar draws yours on every card and says when a close will cross it.
Plate I. The close alert — composed the moment it is sent, so the numbers are current rather than frozen days earlier.