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  

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