About ChurnLogic

What it is

ChurnLogic is an independently built consumer app that helps users plan credit card applications with issuer-aware timing, track signup bonus deadlines, manage annual fee decisions, and follow a personalized application roadmap. It turns the spreadsheet-and-memory approach to credit card rewards into a structured, deadline-driven system.

Why it exists

Credit card rewards are valuable, but the logistics are easy to get wrong. People miss minimum spend deadlines, forget about annual fees until it's too late to downgrade, lose track of which issuers they can apply to and when, and leave money on the table because they don't know the dollar value of what they're earning. ChurnLogic exists to handle that tracking so you can focus on the decisions.

Privacy

Credit report processing happens entirely on your device. Your data is synced to a private backend (Supabase with row-level security) so it works across devices, but it is never shared, sold, or used for marketing. There is no analytics SDK tracking your behavior inside the app.