The bottom line is that it negotiate your bills for you. It’s free to sign-up.Charlie helps you cut your bills and you don’t even need to download an app. It’s also free.Cushion gets your bank fees back for you. The cost is that you will have to pay part the fees returned to you.Tally is an automated debt management system. It allows you to save money, manage your cards, and pay down your balances faster. Their website provides the following information:
Trim automates ways to save you moneySecurely Connect Accounts
Trim uses bank-level security with 256-bit SSL encryption, two-factor authentication, and read-only access.Trim Analyzes Spending
Trim will analyze your accounts to find recurring subscriptions and determine where you can save more money.Automate Ways to Save
Trim cancels subscriptions, negotiates your Comcast bill, finds you better car insurance, and more.
Want to learn more?
How does Tally pay my cards each month?
Tally monitors the balances, APRs, and due dates on each card you register. Tally’s smart technology will determine which cards to pay first, based on factors such as APRs and utilization. If you have cards with a lower APR than your Tally credit line, only minimum payments will be made to those cards to make sure you won’t be charged late fees.
How much does Tally cost?Tally is free to download, and we don’t charge any fees to use the app. In order to get the benefits of Tally, you will need to qualify for and get a Tally credit line. Depending on your credit history, your APR (which is the same as your interest rate) will be between 7.9% – 25.9% per year. And similar to credit card APRs, it will vary with the market based on the Prime Rate. (Information accurate as of June 2018) Click here to see what Tally charges
How is my minimum payment calculated?
We require you to pay a monthly amount based on how much you borrow from Tally. First, we ask you to repay the minimum payments we made to your credit cards that month. Then, we ask you to pay interest based on your APR. Finally, we ask you to repay 1 percent of the total amount you borrowed from us to ensure you’re making progress toward paying down your Tally balance.