In order to help society in proper credit card management, we propose Easy Payment Plan or known as EZ Pay version 1.1. The EZ Pay 1.1 is a combination of four apps which are Easy payment plan, credit card manager, calculator and spending tracker.The EZ Pay version 1.1 is an upgraded software product from version 1.0 which is a credit management software to assist credit card holder in managing payment of credit card balance outstanding. In other words, EZ Pay is a method of payment through credit card with 0% interest rate change with an upfront processing fee (varies for each bank) for a period of 12-36 months.The originality of this product lies on the way how we compile the information on the different processing fees of EPP across almost all banks. This product provides education and awareness about credit card management that is simply developed on a mobile platform. This great software has an ability to reduce bankruptcy among Malaysian and at the same time inculcate wise spending habit among users with a greater practically at your fingertips.