CRED OPTIMIZER

Downloadable mobile application to access and manage a technology platform that integrates with credit card payment processors in real time during the credit card authorization process to actively manage a cardholder's spending and payments to prevent overspending, spending limit overage fees, and credit card interest fees

Online banking services; online banking services accessible by means of downloadable mobile applications; financial administration of credit card accounts

Platform-as-a-Service (PaaS) featuring a computer software platform that integrates with credit card payment processors in real time during the credit card authorization process to actively manage a cardholder's spending and payments to prevent overspending, spending limit overage fees, and credit card interest fees