Credit Utilization Coaching
Not sure what utilization to keep each card at? Trusty explains the 1–9% sweet spot and tells you exactly what to pay down first.
✨ Free AI Credit Coaching — No sign-up required to try
Meet Trusty, Your AI
Credit Card Coach
Ask anything about credit cards, utilization, payments, and building your score. Trusty gives you clear, personalized answers — instantly, 24/7.
What Trusty Can Help You With
From everyday questions to complex multi-card strategy — Trusty speaks plain English, not bank jargon.
Payment Strategy
Avalanche vs. snowball? Which card to pay first? Trusty runs the numbers and gives you a clear action plan based on your balances and APRs.
Credit Score Guidance
Learn what's hurting or helping your score. Trusty translates credit bureau logic into actions you can take this week.
Rewards Optimization
Which card earns the most on groceries, gas, or travel? Trusty matches your spending to your best-earning card automatically.
Mistake Prevention
Thinking of closing an old card? Trusty warns you about score impacts before you make a move you'd regret.
Due Date Reminders
Trusty keeps track of all your due dates and alerts you before you risk a late payment or interest charge.
Real Questions People Ask Trusty
Trusty handles simple and complex credit card questions equally well.
💬 "Why did my score drop when I paid off a card?"
Trusty explains the credit mix and utilization factors that caused the change.
💬 "Which of my 4 cards should I pay first?"
Trusty looks at your balances and APRs and gives you a ranked payment order.
💬 "Is it bad to have a $0 balance on my card?"
Trusty explains reporting cycles and what actually gets reported to bureaus.
💬 "What's the fastest way to get to 750?"
Trusty builds a step-by-step credit score improvement plan for your situation.
💬 "Should I open another card to lower utilization?"
Trusty weighs the hard inquiry cost against the long-term utilization benefit.
💬 "How do I dispute an error on my credit report?"
Trusty generates a ready-to-send dispute letter in seconds.