Chat no credit cards

For instance, Trim created a bot that will chat with Comcast for you to negotiate your bill or ask for a one-time credit.

Early in 2016, Microsoft took its chatbot Tay offline after it spouted racist remarks learned from human users.

“Erica would compare it against your spending habits, your saving habits, what you’re using on your credit card, and it would give you advice and suggestions,” Pace says.

For example, Erica might point out you’re spending more money on dining out than you normally do and ask if you’d like to transfer some money to savings. Banks and credit card issuers aren’t the only ones using bots to help consumers understand and better manage their money.

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