Tool Information
Cushion is an AI-powered app that helps you manage your bills and Buy Now Pay Later plans while also building your credit history.
Cushion is here to simplify your finances. It securely connects to your accounts, helping you keep track of your payments. You’ll get a clear snapshot of what you've paid and what’s coming up next, making it easier to manage your budget effectively.
One of the standout features of Cushion is its unique way of helping you build your credit. It takes your BNPL payments and regular bill payments and turns them into opportunities to enhance your credit history. With the app, you can pay your bills using a virtual Cushion card, which also records your payments for credit report purposes automatically.
Cushion is always looking to improve, and they have plans for exciting new features, like tracking credit scores and an option for splitting bills with roommates or partners. You can feel secure while using the app, as it employs top-notch security measures, including 256-bit SSL encryption, to protect your sensitive information.
The app even offers a handy calendar view, making it straightforward to keep tabs on your upcoming payments. Plus, there are two virtual card options to choose from, which you can set as your primary method of payment for regular bills. When you pay with the Cushion card, your payments are reported to the credit bureaus, helping you on your journey to building credit.
∞Pros and Cons
Pros
- Choose the best virtual card
- Upcoming payment tracking
- Building credit by paying bills
- Tool to manage BNPL payments
- Link bank and email for better organization
- Automatically find and sort bills
- Easy BNPL payments
- Cushion as main payment method
- All-in-one solution for bills and BNPL management
- Proposed credit score monitoring
- Automatic credit-building report creation
- Automated credit history creation
- Building credit with subscriptions
- Suggested bill splitting with friends
- Automatic reporting to credit agencies
- Future features for roommates and partners
- Secure payment method with billers
- One-stop shop for BNPL management
- Insights on billing and payments
- Future credit score checking
- Automatic payment setup
- Strong security partnerships
- Main payment method selection
- Manage and pay bills while building credit
- Credit building through BNPL payments
- Turns payments into credit chances
- Calendar view for payments
- 256-bit SSL protection
- Overview of paid and upcoming payments
- Payment progress monitoring
- Helps with budget management
- Tracks and reports payments to build credit
- Automatic bill and BNPL tracking
- Manages subscriptions and utilities for credit score
- BNPL tracking
- Scheduled reminders for payments
- Secure account connection
- Option for two virtual cards
- Bill splitting option
- BNPL credit growth
- Automatic reporting of Cushion card payments
- Automatic reporting to credit bureaus
- Automatic payment recording
- Clear payment progress tracking
- Building credit with utility payments
- Virtual Cushion card
- Set Cushion card for regular payments
- Easy bill management
Cons
- Virtual Cushion card needed
- Only for BNPL payments
- Just two card choices
- Only automatic payment logging
- Credit score tracking coming soon
- Price unclear
- Split bills feature coming soon
- Needs account link
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