Tally helps consumers manage and optimize how credit card bills are paid. After downloading Tally's free mobile app, users add credit cards to their account. Tally determines if the user is being overcharged on APR and if the user is eligible for a lower APR using a Tally Credit Line. Tally then uses that credit line to pay the user's cards each month. The app keeps track of all balances and due dates so users always pay the optimal amount on-time. As a result, users are protected from inflated APRs and avoid late fees. Tally payments are also optimized to avoid obscure penalties and take advantage of perks such as grace periods. Meet Tally. The simple, secure app that makes it easy to save money, manage credit cards and get out of debt faster.