Borrow

Celebrate Credit Card Payoff

Available in Mini Widget

This insight celebrates when a user pays off a credit card balance.

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When Does This Generate?

This insight is triggered when an account balance changes to zero for the first time on a given day. The triggered insight must meet the following requirements to generate:

• The account balance must change from a non-zero amount to 0.
• The current resource must be a credit card account.
• The credit card account must not be closed or hidden.
• There must be no antecedent insight.
• In the 56 days preceding the transaction date, there must be no dates with a historical balance of $0.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Credit card paid off"
• description: "On {date}, the balance on your {localized_account_name} account reached $0.00. Great job paying your balance in full."

Credit Utilization

Available in Mini Widget

This insight notifies users that their credit utilization is high. There are two types of insights that can be generated: a warning and an alert.

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When Does This Generate?

This insight is triggered weekly and must meet the following requirements to generate:

• The user has one or more credit card accounts. We limit this insight to only using a maximum of 15 accounts.
• A warning is generated when:
  • The user's balance is at least 20% or greater of their total credit limit.
  • The user has not had a previous warning or alert credit utilization beat for the current month.
• An alert is generated when:
  • The user's balance is at least 30% or greater of their total credit limit.
  • The user has not had a previous alert credit utilization beat for the current month.

Customizable Text

This is the default text for this insight. This is all customizable:

• title:
  • warning: "Credit card use is nearing 30%"
  • alert: "Credit card use is over 30%"
  • zero state: "No longer relevant"
• description:
  • warning:
    • one: "Keeping credit utilization at 30% or less protects your credit score. You’ll reach that limit if you spend {threshold_amount} more on your credit card."
    • other: "Keeping credit utilization at 30% or less protects your credit score. You’ll reach that limit if you spend {threshold_amount} more on your {count} credit cards."
  • alert:
    • one: "Lowering credit utilization to 30% or less will protect your credit score. Consider paying {threshold_amount} toward your credit card."
    • other: "Lowering credit utilization to 30% or less will protect your credit score. Consider paying {threshold_amount} toward your {count} credit cards."
• zero state: "Due to changes in the data, the information here is no longer relevant."
• call to action: "Learn more"

Debt Payment Reminder V3

Available in Mini Widget Notification available

This insight notifies users of an upcoming payment for a liability account.

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When Does This Generate?

This insight is triggered when an account is updated and must meet the following requirements to generate:

• The account isn't closed.
• The account must have a positive balance.
• The account supertype must be LIABILITY.
• The payment_due_at date must be in the future.
• No existing insights for the account and payment due date.
• A payment hasn't been made to the account within the last 30 days.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Debt payment reminder"
• description:
  • zero: "You typically have a payment to {account_describer} due on {payment_due_at_date}. Make sure you've made the full payment to avoid any late fees."
  • one: "You typically have a payment of {payment_amount} to {account_describer} due on {payment_due_at_date}. Make sure you've made the full payment to avoid any late fees."

Debt Payoff Strategies

Available in Mini Widget

This insight is meant to educate users who are carrying debt on multiple accounts, on two common strategies to paying off debt.

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When Does This Generate?

This insight is triggered every 6 months and must meet the following requirements to generate:

• A transaction must meet all of the attributes below in order for this insight to be generated:
• A user has two or more active (in the last month) accounts that have the supertype of LIABILITY. (Active account = payment made to the account in the last 35 days)
• This insight includes all accounts of this type except Mortgage accounts and Small Business account subtypes.
• This insight only includes accounts that we have an Interest rate attached to it.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Debt payoff strategies"
• description: "We see you're carrying debt on {account_count} accounts. Consider trying one of these common strategies to tackle debt."
• call to action: "Learn more"

Missing Interest Rate

This insight asks users to share their interest rate so we can help them to have better money experiences.

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When Does This Generate?

This insight triggers weekly and must meet the following requirements to generate:

• The account's supertype must be LIABILITY.
• The account's interest_rate field must not be set.
• The account's apr field must not be set.

Additional things to note:

• If a user has multiple liability accounts without an interest rate we will only generate an insight for the first account and proceed to the rest in the next weeks.
• An insight for a specific account can only be generated once every 3 months.

Customizable Text

This is the default text for this insight. This is all customizable:

• title:
  • no interest rate: "Interest rate missing"
  • with interest rate: "Interest rate added"
• description:
  • no interest rate: "The interest rate on your {localized_account_name} account is currently unknown. By providing it, you will help us make even more personalized insights related to this account."
  • with interest rate: "Thank you for updating the interest rate on your {localized_account_name} account. This will help us make even more precise and relevant insights in the future."
• call to action:
  • no interest rate: "Add detail"
  • with interest rate: "View details"

Monthly Credit Card Interest Summary

Available in Mini Widget

This insight shows users how much they are spending on interest on their credit cards over the last 90 days.

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When Does This Generate?

This insight is triggered monthly and must meet the following requirements to generate:

• The user must have one or more credit cards.
• The user must have been charged some amount in interest on these credit cards in the last 90 days.
• There must be an interest charge in the last month.
• A transaction is considered an interest charge when all the following attributes are true:
  • The transaction type must be DEBIT.
  • The transaction category must be FINANCE CHARGE.
  • The transaction must include "interest" or "finance charge" in the feed description; the case does not matter.
• This insight must not already exist for the previous month.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Interest charges summary"
• description: "From {start_date} to {end_date}, you have paid {total} in interest on your {localized_account_name}."
• call to action: "Learn how to save"

Monthly Debt To Income Comparison V2

Available in Mini Widget

This insight provides a comparison of income to debt spend for the previous four months.

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When Does This Generate?

This insight is triggered monthly and the user must meet the following requirements to generate:

• Have at least one checking, checking line of credit, or savings account.
• Have transactions in their checking, checking line of credit, or savings account for the previous month.
• Have transactions in their checking, checking line of credit, or savings account for at least two out of the four previous months.
• Have at least one income transaction that is greater than $0 for the previous month.
• Have at least one debt transaction that is greater than $0 for the previous month.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Debt vs. income"
• description:
  • zero state: "Due to changes in the data, the information here is no longer relevant."
  • below: "In {last_month}, you spent {income_to_debt_percentage} of your income on debt. Great job keeping your monthly debt payments under 30%!"
  • above: "In {last_month}, you spent {income_to_debt_percentage} of your income on debt. Try to keep your monthly debt payments under 30%."
• call to action: "View transactions"

Payroll Advance

This insight notifies users of a payroll advance transaction in one of their accounts.

When Does This Generate?

This insight is triggered when a transaction is created which meets the following requirements or a PENDING transaction which meets the defined requirements is updated to a status of POSTED.

• A transaction must meet all of the attributes below in order for a Payroll Advance beat to be generated:
  • The transaction status must be POSTED.
  • The is_payroll_advance flag on the transaction is set to true.
• This insight is limited to five occurrences each week.

Customizable Text

This is the default text for this insight. This is all customizable:

• title: "Payroll advance"
• description:
  • zero: "You took a payroll advance of {transaction_amount}."
  • one: "You took a payroll advance of {transaction_amount} from {merchant_name}."