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Comment by xnx | Hacker News Reader

It's disappointing but not surprising that no credit card company that I know of provides simple built-in summaries of past 12 month spend by merchant and merchant category.

Edit: It looks like my bank has some basic view accessible through a submenu.

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Similarly, it sucks that banks don't allow you to unilaterally stop recurring payments on your credit card. Some companies make cancelling a subscription like getting out of a Saw trap.

Sure, there are proxies like Privacy.com and PayPal that let you do this, but this should be a standard feature everywhere.

CapOne does, along with a quick view of 'recurring charges'. Amex also lets you view by category across custom date ranges, custom tags, etc...

The core disappointed with credit cards and also banking in general in the US, is the existance of a company called Plaid--which generated $170 million of revenue in 2020 parsing transaction data.

There should be a standard interface to pull transaction data without having to rely on a third party as it rapes your privacy.

Notably, this apparently exists in EU.

I can see past 12 months by category in Bank of America.

https://www.bankofamerica.com/online-banking/mobile-and-onli...

I do not know if BoA offers a breakdown by merchant though.

Amex too.

To chime in with the others, my Chase card offers this service automatically as well. I think most major credit card companies are starting to offer these services because they want a piece of the pie that companies like Intuit (through Mint, now Credit Karma) are grabbing by just siphoning up financial data.

On the contrary, most big banks provide year end summaries that can be download ed as csv to analyze them in Excel.

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