Know which credit card to use before you tap.

An MCC is a four-digit code assigned to a merchant by its payment acquirer. Card issuers use it to decide whether a transaction qualifies for categories such as grocery, dining, fuel, travel, or general spending.

Different outlets, payment terminals, online checkouts, concessions, or acquiring banks can classify transactions differently. Kredit therefore stores evidence at outlet level and shows its confidence rather than assuming one code applies everywhere.

No. The app requests foreground location only when you choose to use it. Your coordinates are used for that nearby lookup and are not included in Kredit analytics.

Yes. Search for a merchant or branch by name. Kredit still asks you to confirm the outlet before showing an MCC-based card recommendation.

No. Recommendations are estimates based on the merchant evidence and the published card rules Kredit tracks. The issuer's final transaction classification and terms always apply.