Hey, this is Jason (Tally co-founder). Thanks for all the comments. Yes, you are correct, Tally underwrites. Here are some crazy stats.

A. For every 10 people who have a credit card, there are 16 late fees assessed every year. With Tally, you don't have to worry about missing payments.

B. 4 out of 10 households carry a balance ($15K average) for a total of $700B. 78% of those balances are held by people with good credit (Prime or Super Prime), yet their average retail APR is 18%. With Tally, you don't have to worry about being charged unfair APRs.

I hope that helps!