Yes debt is bad but really it's about being a responsible with your obligations and with the banks pushing for consumers to spend on credit cards (they get paid more per transaction vs debit cards) the sell line other than points/cashback is the 'interest free' period. Typically this is 55 days..Banks however will not always tell you what debt you owe them that is older than 55 days(simplistically.. reality is 2 financial months max 55 days post transaction i.e. rounded so it can be a lot less days).. i.e. you then incur interest costs which is where they make their money. In some cases this can me quite a large amount fast..
22Seven being privy to details on the origin of transaction, dates and settlement should thus provide info on this so that clients are able to settle their interest bearing debt prior at the very least thereby reducing the cost of debt. Further cash on debt incurs immediate interest thus this should be accounted.
Yes currently what you can do is filter on account for the least 55 days excl cash withdrawl/transfers out and then subtract this from the total value to determine what the bank will be charging interest on if not settled.. but it would be greater if you could mark accounts with interest period to get a notice at a variable/set date for payment.