GOLETA, Calif., Oct 28, 2008 /PRNewswire via COMTEX/ -- Software Runs Securely on the Computer to Keep Sensitive Financial Data Away From Online Threats, While Automatically Helping Consumers and Businesses Stay on Top of Credit Card Rates, Payments, and Fees
GOLETA, Calif., Oct. 28 /PRNewswire/ -- My Best Interest, Inc. today announced the general availability launch of Rate Surfer ( www.ratesurfer.com), a desktop console for secure and simple credit card management. Offered as a free download, Rate Surfer Basic lets consumers and businesses take back control of their finances by making it easy for them to maintain their credit cards at the lowest possible interest rates, at all times - helping to save money, avoid fees, and preserve credit scores.
Rate Surfer offers a simple dashboard that allows users to view all of their credit card details in one place. With the touch of a button, they can easily find lower interest rates, transfer credit card balances, request credit line increases, dispute charges, and more.
Rate Surfer also provides a range of "push" information services, with automatic SMS and email notifications to alert users if they are nearing their credit limit, payment due date, or the expiration of a promotional interest rate. Sensitive financial data remains on the computer at all times and is never stored on the Internet or a web server - ensuring that it remains safe and confidential at all times.
"Properly managing your personal or business credit is going to be critical to surviving today's volatile, ever-changing financial market conditions," said Mitch Calderwood, CEO and founder of My Best Interest. "Rate Surfer makes this easy by simplifying and automating complete credit card management. 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."
How It Works
Instead of requiring users to enter their financial data online to access information, Rate Surfer brings the information to them. The application automatically interacts with most all of the major card issuing banks to transfer securely a user's financial data onto the desktop, using the same state-of-the-art anti-fraud and encryption capabilities as leading financial institutions use for online banking. Once there, Rate Surfer streams only non-sensitive information - such as balances and due dates - onto an online server for processing through the patent-pending Rate Surfer algorithms, which identify the lowest interest rates, special promotions, and more. This information is then made visible in the desktop console, for users to view - and most importantly, act on - with a single click.

source : http://www.marketwatch.com