No Credit Card Late Fee

Never pay another late fee

Our mission is to make you less stressed and better off financially. We only make money if we can save you money, and one of the ways we help you save is by making sure there are no credit card late fees on your accounts.

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Save money with late fee protection

We can’t stand late fees. That’s why all of the credit cards your register with Tally are automatically enrolled in our late fee protection. We know you work hard for your money, which is why Tally guarantees you’ll never pay another late fee.

Easily track your credit card due dates

Tally tracks your due dates

Tally provides late fee protection to every customer. Once a month, we check each of your credit card accounts to ensure you’ve satisfied your minimum payment amounts. If you haven’t made a payment, we make the minimum payment on your behalf using your Tally line of credit.
We guarantee late fee protection for all your credit cards

Overlimit fees a thing of the past

Even if you use your entire Tally line of credit one month, we’ll advance you the money to pay at least the minimum amount due on each of your credit cards, as long as your account is in good standing. We won’t charge you an overlimit fee, either, and your advance is included in your next monthly payment to Tally.

All you have to do is pay Tally

Tally makes sure you never miss a credit card payment. If Tally makes the minimum payment on your behalf one month, all we ask that you pay Tally back that minimum amount, plus accrued interest, by your next Tally due date.

What users are saying about Tally

5/5 (9)
Tally reviews in the App Store
Annonymus
★★★★★
I try to recommend it to anyone I know.
My credit was at 700 when I started about 3 months ago and now it's at 740.
I try to recommend it to anyone I know. Good: My credit was at 700 when I started about 3 months ago and now it's at 740. I have 2 cards both at 25% and Tally brought me down to 18%. Sure it would be cool if it were lower but its still 7% lower. It also pays my bills and I just pay it back because I always forget. Bad: I keep having to re-login because my credentials keep getting erased. Takes a second longer but would be nice to have the pin work.
tally review in the app store
Tech Crazy
★★★★★
It's helping me in a big way
Tells me how much to pay so I could save even more.
Great, it's helping me in a big way to pay my cards at the lowest apr possible and, it also tells me how much to pay so I could save even more. I was paying 3 CC, 28.9% apr, 17% apr, and 23% apr, tally paid all of it and now I owe tally the complete amount but with a 9.8% apr. can't ask for more help than that.
tally review in the app store
Oniel A.
★★★★★
Tally Thank you so much.
This is helping me to save.
This is helping me to save. I real like a lot. Tally Thank you so much.
tally review in the app store
Brian H.
★★★★★
Applying is easy and the app is easy to use.
It's a great way to consolidate debt to one payment and lower interest rate.
Applying is easy and the app is easy to use. It's a great way to consolidate debt to one payment and lower interest rate or consolidate credit card payments and I appreciate the service they offer me. Thank you!
tally review in the app store
Joshua J.
★★★★★
Peace of mind with my debt.
I enjoy the app
I enjoy the app as it is giving me peace of mind with my debt.
tally review in the app store
Gary G.
★★★★★
Helping me to manage my credit card
Helping me to manage my credit card and work on my credit score.
This app is helping me to manage my credit card but it has to help me work on my credit score
tally review in the app store
Sergio R.
★★★★★
Straight forward debt consolidation loan.
Customer support was quick to answer and as helpful as possible.
Straight forward debt consolidation loan. They helped me out with some overwhelming APR and now I'll have more money after paying off Tally. I did have some trouble connecting to my bank but it worked in the end. Customer support was quick to answer and as helpful as possible.
Tally reviews in the App Store
Sonali M.
★★★★★
Love their people first approach.
Easiest way to manage my credit cards.
Easiest way to manage my credit cards. Love their people first approach.
Tally reviews in the App Store
Levr
★★★★★
Great for credit building
This helped me build my credit score.
This helped me build my credit score...AMAZING!!!!

Let's Overcome Credit Card Debt

Want else should I know?

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. Your minimum payment will be at least $25 unless your balance is below $25.

What if I don’t always carry a balance on a card and don’t get charged interest?

This is a good thing. Issuers usually won’t charge you interest as long as you pay your statement balance in full every month. If you always pay in full, Tally won’t be able to save you money on interest charges. To save the most money, we recommend setting these cards to “You Pay” and disabling Tally’s Late Fee Protection if you have a good track record of paying on time. If you know you won’t be able to pay off your statement balance in full, set your card to “Tally Pays.” We’ll take care of your payments.

Why do I need Tally if I pay off my cards in full each month?

You can still add your cards to the Tally app. There aren’t any savings on interest, but you’ll have the benefit of easy, consolidated credit card management. If you add a well-managed card to Tally, it should be set to You Pay. You’re also automatically enrolled in Tally’s late fee protection, where you can enjoy freedom from late fees.

Tally, the fastest way to debt-free