Whether you’re new or already a member, learn more about how to get the most out of using Tally.
We’ve put together a list of Frequently Asked Questions around opening a Tally account, how our credit line works, our late fee protection, how we help you pay off your credit card balance, and everything in between. Browse the topics below for fast answers now.
What is Tally?
What are Tally’s different membership levels?
Does signing up for Tally impact my credit score?
How do I get a Tally credit line?
I wasn’t approved for a line of credit. Can I get one in the future?
Can I try Tally without a credit line, even if I was approved?
In which states is Tally available?
Can I switch membership levels?
How is Tally different from a personal loan or a credit card?
Is Tally a debt consolidator?
What if I am disputing a charge with a merchant or my card issuer?
What should I do if I think there is a mistake with my account?
How do I change my Tally password?
If I've changed the username and/or password on my credit card or bank account, how do I update Tally?
How do I update my bank account info?
What are Tally’s contact numbers?
How do I change my contact information?
How do I add, change, or remove a credit card?
What’s included with a Tally membership?
How much does Tally cost?
What is the benefit of using Tally without a line of credit?
How do I choose or change my payoff strategy?
What is Safe Min Pay?
What are Tally Tuesday payments?
Does pausing my membership also close my Tally account?
How do I close my Tally account?
Which credit cards do you currently support?
What’s included with a Tally+ membership?
Can I only use my credit line once?
How can Tally offer lower APRs?
How are savings estimated?
What are the fees for the credit line?
How does Tally know how much to pay?
How does Tally calculate average lifetime savings?
Can Tally combine all of my payments into one single bill?
When is my first Tally payment due?
How is my minimum payment calculated?
How does Tally pay my credit cards each month?
What does it mean if my card is set to 'Tally Pays?'
What does the 'You Pay' setting mean for my cards and payments?
What is Tally’s Late Fee Protection?
How is my interest charge calculated?
Can I make a payment for above the minimum amount due?
I already made a payment this month. Why do I still have a minimum amount due?
Can I schedule a future payment or enroll in automatic payments?
I made a payment to my card in-app with my linked bank account. Why hasn't my payment reflected in my balance yet?
Tally has made a payment to my credit card, but I don't see it posted to my account.
Why do I need Tally if I pay off my cards in full each month?
What if I don’t always carry a balance on a card and don’t get charged interest?
How do I cancel a payment Tally made to one of my cards?
How do I cancel a payment made to Tally?
How do I stop Tally from paying my card?
How do I make my monthly payments to Tally?
When does Tally make payments to my cards?
What if I have a promotional rate on my card?
What if my Tally line of credit doesn’t cover all my card balances?
If I’ve already used my entire Tally credit line, will Tally still pay my card?
I made a payment from my bank’s website to my credit card. Why don’t I see it in my Tally account?
My credit card is set to autopay. Why is Tally still making payments?
Should I turn off autopay with my credit card?
Will you still pay my credit cards if I stop paying Tally?
What if I can’t pay my Tally bill?
How else can I ensure my card payments go smoothly?
What’s included with a Tally+ Express membership?
What's my APR with the Tally+ Express membership?
How is my membership renewed?
Can I switch between Tally+ and Tally+ Express membership levels?
How does the Tally+ Express discount program work?
Do I need to pay the annual fee upfront?
Can I opt out of the Express program after a year?
How am I saving more money if I'm paying an annual fee?
Can I still close my account at any time?