Truebill needs a creatively engineered bank card that includes credit building features all in one card. Some features could include reaccureing payments that have been made for 5 or 6 consecutive months in a row being used to enhance credit after the 7th month...also fun rewarding comments for saving more than thats on your budget or making that 3rd car payment on time or a few days before its due. Also, the ledger should have clear times for deposits,: day, month, year, day of the week, and percise time the money is deposited or taken out of the account. Rewards, details, and praise...truth in banking..! Truebill 😁🤑🥰