Cards & Accounts
Every rail you can pay with, plus the limits, rewards and fees that let Pay Smart pick between them.
Across 1 card with a combined ৳150K limit.
Share of your total limit currently used. Bureaus look at this. Under 30% is the line most scoring models draw.
Across 9 non-credit methods. Money you actually hold rather than borrow.
1 reward rule and 0 offers. The more of these are accurate, the sharper Pay Smart gets.
Credit cards
Wallets, accounts and cash
Why this registry matters
Pay Smart is only as good as what it knows about your rails.
Every recommendation is arithmetic on the rules stored here: fee tiers, VAT, reward caps, statement dates and offer windows. A card with no reward rule looks worse than it is, and a wallet with no fee rule looks better than it is. Keeping these accurate is the single highest leverage thing you can do for the quality of the advice.