1. Why reminders live in your ledger
Every card has a date attached to it somewhere — an annual fee that renews, a points balance that expires, a transfer bonus that ends. Normally that lives in a calendar app, a note on your phone, anywhere but the place that actually knows about the card.
In MilesVault, a reminder is just another line in the ledger: a dated note on the account it concerns. No separate system, no separate login — the same file that holds your transactions holds your reminders.