Many of us use a credit card to make all of our purchases to get points, airline miles, etc. Those of us who do normally pay off those cards at the end of the month (otherwise it makes no sense to purchase with those cards).
Why not give the option to do this: link the credit card balances to the projected cash flow in your checking account of choice. This would allow the user to see, in real time, what their "real" cash flow projection is going to be.
For example:
- John Doe is projecting a cash flow balance of $1000 on March 1st in his checking account
- John Doe's credit card balance is currently $1100
- If we can tie those two together, then John Doe would actually see a projected balance in his checking account of -$100. This could be then tied to the alerts giving John a warning notification that his projected cash flow is going to be under-water soon and he needs to adjust his budget.
This would give folks like us an accurate representation of how much cash we really have based on the way we leverage credit cards. What say ye?
