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Keep YouTube audio playing in the background The service also lets you listen to videos on your phone or tablet through speakers or headphones when you're in another app or while your screen is off. This is especially useful for music videos if you only want to hear the audio while doing something else. Finally, starting in earlyYouTube Red subscribers began receiving access to new members-only original shows and movies from top YouTubers.

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Stitcher What is Debitize? Liran founded Debitize to help simplify, optimize, and automate personal finances, especially around credit card spending where he witnessed a significant need.

However, building credit is important, and Liran wanted to create a tool to help people use credit responsibly.

Before founding the company, he was an Executive Director at JPMorgan, where he spent nine years as a derivatives marketer, focusing on structured credit, exotics, and cross-asset hybrids. After working on the institutional side of finance, he wanted to build something to make a real impact in the financial world and help people avoid credit card debt and better manage their money.

How does it work? The funds are temporarily held in your Debitize Reserve Account, and then they automatically pay your balance for you every week. Yes, finally someone who will pay your bills on time for you and in full. Using Debitize is very simple.

You will do this by logging in with your bank credentials like you would with Mint.

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With Debitize, you get the best of both worlds. You can use your credit card as a debit card while still earning rewards and points credit card companies off.

Debitize will send you a weekly spending summary and confirmations of scheduled payments to keep you in the loop. They will notify you when you have a low balance or if there was a large transaction on one of your cards.

Although they encourage you to pay your bills in full to avoid paying interest, if you are making a large purchase that you would like to pay off over time, Debitize will give you the flexibility to do so. Get our best money lessons: It acts as a safeguard against overspending. Credit Optimizer This is our favorite feature.

There is a credit optimizer feature that can help improve your credit. Lowering your balance before the reports are sent will lower your utilization and help increase your credit score.

They will automatically make additional payments on your outstanding balance to lower your credit utilization.

Since that is the 2nd largest component of your credit score, this will also give your credit a boost. Security Using credit keeps your cash safe. If you lose your debit card, it can take upwards of a week to get your funds returned. With a credit card, most companies iron out the issue within hours.

For peace of mind when it comes to fraud protection, credit cards are the way to go.

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As for security on Debitize, everything on their site is encrypted. Companies like Venmo, Betterment, and Acorns also use Plaid. Do we like it?

Yes, we love it! Debitize is an excellent way to help people feel more in control of their finances. Whether you are looking to start building credit or fix your credit, they will help you reach your financial goals. It takes the fear out of using credit and gives you the peace of mind that your bills will be paid on time.

They are still in start-up mode and ironing out kinks so if you have any questions or issues their customer service is outstanding.

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