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Liabilities

The Liabilities page shows credit-card statement data sourced from Plaid's liabilities product: statement balance, next payment due date, minimum payment, purchase APR, and credit utilization for every linked credit card.

It is designed for people who want to track what they owe on credit cards, know when payments are due, and monitor how much of their credit limit is being used. Data is stored in QLife Money's database and refreshed automatically when you link or sync an account; you can also force a live pull at any time with the Refresh from bank button. The page follows the scope switcher: Personal shows personal cards, a business shows only that business's cards, and All shows everything. Cards that can't provide liability data show an informational note with a link to Accounts so you can re-link them through Plaid.

If no credit cards are linked, the page says 'No credit cards linked yet' and points you to Accounts.

How to

View credit-card statement balances and due dates

  1. Open the dashboard, choose More, then select Liabilities (or go to /dashboard/liabilities/).
  2. The header card shows how many credit cards are listed and a summary row: Statement balances (pink, the total across cards), Minimum due (yellow, the total), and Next due (the soonest due date across cards).
  3. Scroll down to see one card per credit account, each showing Statement balance, Minimum payment, and Payment due.
  4. A due date 7 or fewer days away shows in yellow with a countdown ('Due in 3 days' or 'Due today'). Overdue cards show in red with 'Overdue'. Further-out dates show 'In N days'.

Refresh liability data from the bank

  1. On the Liabilities page, click the ↻ Refresh from bank button in the top-right corner of the header card.
  2. The button changes to 'Refreshing…' and is disabled while the live pull runs.
  3. When the refresh completes the page re-renders with updated figures.

Reference

Statement balance
The balance reported on the most recent credit-card statement, as provided by Plaid. Shown in pink. This is the amount typically used to calculate the minimum payment due.
Minimum payment
The minimum amount due by the payment due date, as reported by Plaid. Shown in yellow.
Payment due
The date by which at least the minimum payment must reach the card issuer, formatted as 'Mon DD, YYYY'. Color-coded: white when more than 7 days away, yellow when 7 days or fewer remain, red when overdue. A short note below the date reads 'In N days', 'Due in N days', 'Due today', or 'Overdue'.
Purchase APR
The annual percentage rate applied to purchases on this card, shown in the top-right corner of each card if reported by Plaid. Displayed as a percentage with two decimal places.
Utilization
Statement balance as a share of the credit limit, shown as 'Utilization · $X of $Y', a percentage, and a horizontal bar. Only appears when the card reports a credit limit. The bar is green below 30%, yellow from 30-79%, and red at 80% or above.
Refresh from bank button
Triggers a live call that pulls the latest statement data directly from Plaid rather than reading the cached database copy. The button is disabled and shows 'Refreshing…' while the call is in progress.
doesn't support liabilities note
Shown on credit-card rows linked via Stripe Financial Connections. Statement balance, due date, minimum payment, and APR are not available for these cards. The note includes a link to the Accounts page to re-link the card through Plaid.
As of
Footer line on each card showing the date the liability data was last written to the QLife Money database, formatted as 'Mon DD'. The same footer can also show 'Last payment $X on <date>' and 'Statement <date>' when the bank reports them.
Summary row
Totals across the cards in the current scope: Statement balances, Minimum due, and Next due (the earliest payment due date).

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