A California firm plans to release a free credit-card management tool for consumers and business to consolidate maintenance of their cards on a system that will also plug them into where to shop for lower interest rates.

My Best Interest of Goleta, CA, unveiled Rate Surfer (www.ratesurfer.com) as a desktop console/dashboard program where all of a user’s credit-card details are viewed. Unlike Web-based services, Rate Surfer keeps the real-time data housed on a personal PC and off the cloud – and is fed by encrypted data directly from major card-issuing banks. Only balances, due dates and other non-sensitive information are provided to an online server Rate Surfer uses for processing transactions and transfers, or delivering referrals and promotions on lower APRs to consumers on a push basis. The site also promises capabilities to log into bank’s Web sites, and offer a one-button  

“Our goal is not only to help users save money and preserve their credit scores, but also to give them the peace of mind that their identity and personal financial data remains secure at all times,” says Mitch Calderwood, CEO and founder of My Best Interest.

Rate Surfer is being released Nov. 17.

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