For Canadian credit card users

Credit card spending, explained clearly.

Clear, practical answers about delayed balances, real-time tracking, and bank transaction alerts in Canada.

Start with the question you want to answer.

Tracking options

Why card balances can lag, and three practical ways to keep a more current view of recent spending.

No bank login

Compare manual tracking with an automatic alert-based tracker, without giving an app direct access to your bank account.

App comparison

An honest comparison of credit card spending apps for Canadians, including LiveSpend, Monarch, YNAB, Neontra, and PocketSmith.

Balance delays

Learn why recent purchases or payments may not change your balance yet, what the different numbers mean, and when to act.

BMO balance

Check pending purchases, available credit, and payment timing when your BMO credit card balance has not changed.

RBC balance

Understand authorized purchases, current versus statement balance, and RBC payment timing.

Scotiabank balance

Check Scotia pending transactions, available credit, holds, and card-payment timing.

CIBC balance

Understand CIBC pending purchases, current balance, available credit, and payment posting.

National Bank balance

Check National Bank pending status, displayed balance, and the way your card payment was made.

LiveSpend

See credit card charges when their bank alert emails arrive.

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