Hmm... there's a real need for a credit or debit card app that tracks real time charges. I know authorization holds go through immediately (while actual transfers may take a day) and aren't always the same as spending (i.e. car rentals typically issue an authorization hold at time of rental for more than cost), but, in principle, that should be enough to keep track of likely cash flow in realtime. I'd like to see a bank app that simply takes authorization holds as spending and updates a graph in real time.