BON helps you reduce your credit card debt using AI. It analyzes your cards, balances, interest rates, and spending, then gives you a simple plan to pay less interest and clear debt faster. You get guidance, reminders, and personalized options that traditional apps never show. The best fintech app designed.
Hey👋 I’m Abhinav, one of the makers of BON Credit.
Over the last year, I kept seeing the same pattern: people weren’t drowning in debt because they were irresponsible; they were drowning because the system is confusing, fragmented, and full of traps.
Multiple cards. Different due dates. High APRs. Zero clarity on what to pay first. Most tools show you charts. None of them actually help you get out of debt faster.
So we built BON Credit, an AI layer that sits on top of all your credit cards and does the heavy lifting for you.
What BON Credit does
Connects all your credit cards (securely)
Plans the smartest payoff path based on APR, utilization, due dates, and your cash flow
Lets you pay all your credit cards inside one app
Rewards you for paying on time with real perks.
What makes BON different
Action, not analytics; BON actually helps you get out of debt
Zero-interest strategies optimized by AI
Unified bill pay - all cards, one flow
Positive incentives for good habits
We’ve been building BON Credit for months with a small, obsessive team; talking to users, shipping weekly, and learning fast.
I’d love to hear your thoughts, feedback, and what you’d want BON Credit to do next.
Wow, BON Credit looks amazing! The AI-powered debt reduction plan is super interesting. How granular can it get with suggesting spending adjustments on specific card categories? So cool!
Interesting idea. What if I’m not from the US? Can I export my history and upload it to your app for analysis?
Sounds like an app that solves a real problem. Basic issue I'm running into trying to check it out... the app won't allow a hyphen in an email address? That seems like an odd choice.
Hey, Abhinav, that line—“They're in trouble because the system is broken, not because they're irresponsible”—really hit home. What moments have made you suddenly realize things?
Upvoted! The idea is really cool esp for people who are not as financially savvy. Are you planning on launching an app anytime soon?
Congrats on the launch. Very interesting. Quick question, what all geographies do you cover? Also, how are you different from someone like CRED?
@abhinav_jain_ BON Credit is tackling such an important problem. Debt management can be overwhelming, and having AI help optimize repayment strategies could make a real difference for people trying to regain financial control.
I'm curious, how does the AI determine the best repayment approach? Does it factor in interest rates, minimum payments, and psychological factors like the debt snowball vs avalanche methods? And how do you present these recommendations in a way that feels actionable rather than intimidating?
Also, does BON Credit integrate with existing financial tools or bank accounts to automate tracking, or is it more of a planning and advisory tool?
Really interesting approach to a tough problem!
Absolutely love your product! Any chance you’ll be making it available in Canada soon?
This is an incredible idea and such a widespread need. How do you handle data safety?
This is such a thoughtful approach. Debt tools usually overwhelm, BON actually guides.
Your app looks great and it certainly is needed in today's climate. If you don't mind me asking, the app is free and offering rewards, what is the commercial model behind it? Is there one, will there be one in the future? I wonder how this valuable offering can be viable as a free service.
This is fantastic - does the app also teach you about how to improve your credit score? In the theme of confusing information - there's so much to learn around what's impacting your credit ... is it opening cards, having multiple lines of credit, closing a card?? Can't wai tto check it ou
When BON Credit uses its AI assistant to recommend credit cards or loans, how deep does the recommendation go? Does it consider long-term costs, interest rates, and credit-score impact?
I see your main advantage is to help people understand the credit system easily. Apart from that, is it same as Cred?
Love this. The debt problem is crazy broken right now. Banks don't make it easy to understand your options and most people end up paying way too much in interest.
What's the actual savings number you're seeing per person? And are you guys handling the full negotiation piece or just giving advice? Just curious how deep into the system you're going.
Hey👋 I’m Abhinav, one of the makers of BON Credit.
Over the last year, I kept seeing the same pattern: people weren’t drowning in debt because they were irresponsible; they were drowning because the system is confusing, fragmented, and full of traps.
Multiple cards. Different due dates. High APRs. Zero clarity on what to pay first.
Most tools show you charts. None of them actually help you get out of debt faster.
So we built BON Credit, an AI layer that sits on top of all your credit cards and does the heavy lifting for you.
What BON Credit does
Connects all your credit cards (securely)
Plans the smartest payoff path based on APR, utilization, due dates, and your cash flow
Lets you pay all your credit cards inside one app
Rewards you for paying on time with real perks.
What makes BON different
Action, not analytics; BON actually helps you get out of debt
Zero-interest strategies optimized by AI
Unified bill pay - all cards, one flow
Positive incentives for good habits
We’ve been building BON Credit for months with a small, obsessive team; talking to users, shipping weekly, and learning fast.
I’d love to hear your thoughts, feedback, and what you’d want BON Credit to do next.
Thank you for checking us out ❤️
- Abhinav