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Convert all of your credit cards into one and save money on high-interest rates

Use AI to create a smart debt repayment plan.

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  • The average American household credit card debt is above $5,000
  • Lower your effective credit card debt interest rate to save money
  • Explore ways to protect yourself from steep late payment fees and negative credit impact

Credit cards should be used wisely and viewed as a loan rather than your own money. Most credit cards come with extremely high-interest rates beyond 20 percent. Racking up thousands of dollars on your card could become risky, especially if you already have financial problems or unstable income.

Sadly, many people fall into this credit card debt trap and get into a vicious cycle of paying monthly minimums where they stretch out their debt for years and lose way much more money than they borrowed. While some people remain ignorant and don’t choose to pay more than the monthly minimums, many struggle to do so. At times, missed payment deadlines have a negative affect on credit scores too. 

If you are currently in a situation where you are unable to pay more than the monthly minimums or don’t have much left after paying your monthly bills, an AI-powered app called Tally can help you get some breathing space.

What Does Tally Offer?

Tally offers individuals with a credit score of 660 and above a low-interest line of credit starting at 7.9 percent. Tally will transfer all your credit card balances to your new line of credit and make monthly payments to your creditors using it. You will be required to pay Tally one consolidated bill each month at a lower interest rate, where you save money immediately while inching towards your debt-free date faster. 

Tally proprietary tech analyzes your credit cards to create a smart debt repayment plan by prioritizing cards with high-interest rates and larger balances. Furthermore, if you miss paying Tally on time due to a difficult month, Tally will automatically make the payment to your creditors under the Late Fees Protection program and you may pay Tally at a later date. This way, you won’t have to worry about lenders charging high late fees or of any negative impact on your credit score.