Debitize - Credit card perks without credit card debt

@ziegfri3d Thanks for the note Siegfried, would love to hear your feedback once you're on board!

@charleyma hey Charlie, next up will be a native mobile app in early 2017. We'd also like to improve the logic around making credit card payments for users who carry multiple balances, and we're working to decrease the time from purchase to debit. Longer term, we hope to help you manage your entire budget, including setting aside funds and paying bills for your rent or mortgage, student loans, utilities, etc.

@joshdance they take money from your checking account and apply to your credit card every time your bill comes up as well as you to pay it at strategic times and carry a credit

@joshdance They have an answer for this in the FAQ on the site.

@joshdance Hi Joshua, the 2 largest components of your credit score are your payment history (35%) and your utilization (30%). Your utilizaiton is basically a percentage of your credit line that you use. You want to be positive but generally as low as possible, and our Credit Optimizer feature automatically pays you down to 1% of your credit line before most banks report your utilization to the credit bureaus. You can test this out yourself by going to Credit Karma (if you have an account), going to their score simulator, and lowering your utilization to 1%

@joshdance Also - should mention that even without Credit Optimizer, we're helping people use credit cards responsibly, which is the fastest and easiest way to build credit. Especially if you are among the people that have sworn off credit in favor of debit, Debitize lets you use your credit card with the same peace of mind and convenience of debit so you can start to build credit.

@abhishek_syal thanks abhishek, we do let you carry a balance month to month on your card, and are working on improving our data on minimum payments. On your second question, we let you set a min balance for your checking account that we won't draw you below.