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Credit Card Management App: All Your Cards in One Place

Make everything from building credit to paying your bills on time easier with a single application.

April 19, 2021

If you’re like the majority of Americans, you probably have at least one credit card. And, chances are, you have more than a single card.

Managing your payments and personal finances is not an easy task. It becomes even more challenging when you are juggling multiple lines of credit, each with different balances, payment dates and interest rates.

Do you need help maintaining visibility over your finances and managing your debts? If so, a credit card management app can help.

Here’s everything you need to know about credit card management.

How Can I Manage My Credit Card?

A revolving line of credit is a double-edged sword. On one hand, credit cards are financial tools that may offer you extra fiscal flexibility and accessibility. On the other hand, when left unmanaged, your card(s) may also put you in a financial struggle if you are unable to pay off your credit card balance.

When credit card balances are paid in full and on time, there are few (if any) drawbacks. Healthy financial management can build your credit score while providing instant access to much-needed capital. However, if you take on too much debt and can’t pay off your credit card balance, the interest alone may overwhelm your finances.

Knowing this, there are a few tips to keep in mind for better credit card management:

  • Using your card responsibly – A credit card can help you build a credit history, earn rewards points and functions as a more secure form of payment than cash. In which case, by only borrowing what you can feasibly repay, paying your bills on time and paying the full amount due, you’ll benefit from this responsible usage without the downside of debt.

  • Setting and sticking to a budget – A budget is a blueprint for fiscal habits. Knowing how much you can spend on a specific category (e.g., groceries, utilities or entertainment) may help you avoid taking on more of a debt burden.

  • Regularly reviewing your credit card statement – A part of budgeting involves monitoring and tracking your spending habits. It can be beneficial to spend time at the end of each month reviewing your payments, verifying that they’re legitimate and then analyzing them according to your budget. This is an easy way to see whether you’re sticking to a savings plan or making progress on debt payments.

  • Paying more than the minimum payment – Your credit card accrues interest daily. Therefore, paying more than the minimum payment will save you money over time. Paying the credit card’s full balance by the end of the month means you’ll pay zero interest.

How Do I Manage Multiple Credit Cards?

The advice above for single card management pertains to multiple cards as well, with one caveat — you may need to be even more diligent. Managing your credit and related debts becomes a greater challenge when you have to account for multiple credit cards.

Consider a juggler. With multiple balls in the air, they have to be much more coordinated and aware of their positioning at all times. The same principle applies here. If you have several cards in the mix, it increases the chances for slip-ups to occur, like paying late or forgetting to make a credit card payment altogether. That’s money lost needlessly.

But how can you keep yourself from being overwhelmed by multiple cards?


For starters, set each card to auto-pay for at least the minimum credit card balance. That way, you won’t be forced to pay late fees on top of interest charges. From there, consider smart card-management apps to maintain oversight over each individual card.

How to Streamline Your Credit Card Management

Handling multiple credit cards is simple when you use a credit card debt manager app. There’s no need to juggle several cards with different APRs, credit card payment dates and balances. Instead, you upload your credit cards to one central location and then let the app go to work.

Enter Tally — one of the fastest and smartest ways to manage your cards and pay down debt.

As one of the best credit card manager apps available, it lets you see all of your credit card’s important details in one place. Tally automatically tracks the balance, APR and due date of every card, then prioritizes the payments based on what saves you the most money.

Tally simplifies card management. It pays for all of your cards, and then you pay Tally back with just a single payment. If you qualify, Tally can extend a new personal line of credit to pay down your existing credit card balances at a lower APR than you’re currently paying.

But what makes the Tally app a good choice for credit card transactions?

It’s the savings. Tally could save you hundreds of dollars in interest and fees every year.¹

How Do I Manage My Available Credit to Build Credit?

Building your credit score makes it easier to secure future loans and acquire lower interest rates. But this process doesn’t happen overnight. It takes time and commitment to manage your credit responsibly.

Common fiscal practices to build credit include:

  • Paying your bills on time – Payment history is the most significant factor impacting credit scores. Late payments remain on your credit report for years.

  • Making frequent payments – Consider making small payments throughout the month to reduce your overall balance. This can help keep your credit utilization low.

  • Monitoring your credit – Keep track of your payments and monitor your financial accounts for signs of identity theft, financial fraud or credit-report errors. A single mistake or error can have long-term negative impacts on your credit score. Therefore, it pays to be vigilant.

  • Becoming an authorized user – Do you have a close family member or spouse who would be willing to add you as an authorized user on their card? If so, you might be able to benefit from their credit payment history and boost your own score. However, be wary of who you ask. If they don’t practice sound fiscal management, it could backfire.

  • Getting a secured credit card – A secured card is typically backed by a cash deposit that’s tied to your credit limit. These are intended to be temporary credit cards that help you safely build credit.

Is There an App to Keep Track of Credit Cards?

There is! As we discussed earlier, Tally is one of the best apps for credit card transactions and debt management.

Tally can help you in several ways, including:

  • Getting you out of debt up to two times faster than those who don’t use the app.²

  • Helping you feel less stressed about debt.

  • Managing your credit cards in one place.³

  • Lowering your APR by up to 46%.4

Tally can help you lower your debt and build better credit.

How Can I Reduce My Credit Card Debt Quickly?

Wise card management takes time and effort. But with Tally†, the process becomes a lot simpler.

Are you searching for financial freedom?

To start reducing your credit card debt quickly, explore Tally today.

​​†To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. The APR (which is the same as your interest rate) will be between 7.90% and 29.99% per year and will be based on your credit history. The APR will vary with the market based on the Prime Rate. Annual fees range from $0 - $300.