Credit cards and Tally – Tally Help Center

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Credit cards and Tally

Credit cards and Tally

Can I still use my credit cards?
What if my cards are not supported?
Does Tally pay any other types of debt?
What is the difference between “Tally Pays” and “You Pay” cards?
What cards do you accept?
What is Tally’s late fee protection?

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© 2023 Tally Technologies, Inc.

Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access, [See Licenses]). Lines of credit issued by Cross River Bank, Member FDIC, or Tally Technologies, Inc. ("Tally"), as noted in your line of credit agreement. Lines of credit not available in all states.

Loans made by Tally pursuant to California FLL license or other state laws.

*To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. Based on your credit history, the APR (which is the same as your interest rate) will be between 7.90% - 29.99% per year and credit lines will be between $2,000 - $20,000. The APR will vary with the market based on the Prime Rate. Annual fees range from $0 - $300.

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¹ Get out of credit card debt faster - Average Tally member line of credit APR (14.99%) and credit card APR's (22%) calculated in May 2022 for member accounts active during January 1, 2021 - March 1, 2022.

² Can save on average $4,300 in 7 years (6.7yrs) - We calculated the average interest savings in May 2022, based on Tally’s records for borrowers who enrolled in a Tally line of credit from January, 2021 through March, 2022. We compared how much interest the member would pay with and without a Tally line of credit until their balances on credit cards added were fully repaid. We excluded delinquent members, members who did not use Tally, and credit cards with APRs lower than the Tally APR (since Tally wouldn’t pay those cards, except for late fee protection). For each borrower we used: (a) consistent monthly payments of 3% of their initial credit card balance(s); and (b) monthly credit card transactions of 0.8% of their initial credit card balance(s). We assumed a fully utilized credit line (or up to the credit card debt if lower), no Prime Rate or other APR changes, and borrowers with a Tally+ line of credit received discount credits every month. Actual pay-off rates will vary based on factors such as each user’s credit card APRs, the total payments made, annual fees, and additional credit card charges.

³ Individual Savings Claims – We calculated each customer’s interest savings based on payments Tally made on their behalf to their credit cards with a higher APR than their Tally line of credit. We compared the total daily interest that would have accrued with and without Tally based on the difference between their credit card APR and the APR for their Tally line of credit. We excluded payments made to cover minimum payments to cards with a lower APR than Tally or to cards that were in a grace period at the time of payment.

⁴ Late Fee Protection – With a Tally line of credit, late fee protection is available on linked credits cards for users who are current on their account, in good standing, and have provided accurate credit card and bank account information.

⁵ Tally+ Member Discount – Tally+ Member Discount: With Tally+ you get discount credits applied to your Tally principal balance each month effectively lowering your annual interest. Tally+ members who pay at least the Tally minimum on time each month receive the discount.

⁶ The portion of your credit line that can be paid to your cards will be reduced by the amount of the annual fee.