[xkcd-sucks]

It doesn't verify the email address -- [e-mail] wants another credit card -- But then the next step is mandatory linking of bank accounts! Yuck...

Also, how is "We never see, store, or use your credit card information at any time" consistent with "We analyze your spending"?

[saurabhsharan]

Thanks for the feedback!

We only ask for your email address so you can sign in later to see your results. I agree it's a bit unintuitive that we don't "verify" your email, but that's because it's ultimately linked to your bank account.

"Credit card information" in this case refers to the fact that we don't have access to your CC number, credit limit, etc. One of the early feedback we got was that people were worried we would have access to their CC number, so we added that bit in to clarify. I agree that the wording could be clearer.

[basch]

Why not let me fill out a form that says I spend x on food, y on travel, z on gas, and optimize my results for a combo of up to two-three cards, without having an account?

Even as a demo of how it works and the interface. Then if people want to automate that part, they can make an account and feed their bank data over.

You should also look into the features apps like MAXIVU have. I tell it all the credit cards I have, then if I cant remember my rewards, I can check what card I should use at what store.

[saurabhsharan]

This is definitely on our roadmap. For the initial version, we wanted to provide the fastest onboarding experience, which meant letting people connect with Plaid.

[gukov]

Plaid does all the storing.

[saurabhsharan]

To clarify, we do get access to your credit card transaction history. We do not get access at all to your bank username/password, credit card number, etc. - that's the part that Plaid handles.

[_JamesA_]

Why should I trust Plaid any more than Trove?