The History tab

The History tab is on credit-card accounts only. Where the Spending tab zooms in on the current cycle, History zooms out to compare past cycles against each other.

Spending averages chart

The first chart is a small-multiples view showing the daily accumulation curve for the last several cycles, overlaid. Each cycle is a separate line, drawn against a shared "days into the cycle" x-axis so you can see how this cycle compares to prior ones at the same point.

Typical uses:

• "Is this cycle running hotter or cooler than usual?"
• "We usually hit $800 by day 15; we're already at $1,100 — what happened?"
• Spotting anomalies at a glance: one line visibly diverging from the others means something unusual happened that cycle.

Spending months chart

Below it, a second chart shows the total for each past cycle as a single bar or point, month over month. This is the high-level trend: are you spending more or less over time?

• X-axis: cycle (labeled with the month the cycle falls in).
• Y-axis: total spent in that cycle.

If you've had the card for a long time, this chart is a good place to spot drifts — spending creeping up over a year, or a step-change after you started working from home.

Why is this on credit cards only?

Because cycles are a credit-card concept. For checking/savings accounts, the equivalent rolling history lives on the Cashflow dashboard (with month-by-month totals) and on individual category detail pages (with category-specific monthly trends).

How the boundaries work

Both charts use the card's Statement Closing Day of Month. If you change the closing day, the charts re-bin around the new boundaries the next time they render — no re-import needed.

If the history is short

New accounts only have one or two cycles of history, so both charts are sparse until you've had the card for a few months. The "Spending averages" chart needs at least three prior cycles to be meaningfully useful.