Question 1

What is NESTA11?

Accepted Answer

NESTA11 is a credit card and bill organization tool with a payment planner, payoff priorities, a calendar and reminders. It works entirely from information you enter yourself.

Question 2

Does NESTA11 connect to my bank account?

Accepted Answer

No. There are no bank or card connections. Nothing is imported from a financial institution, and no credentials are ever requested.

Question 3

Does NESTA11 make payments for me?

Accepted Answer

No. NESTA11 does not move money or initiate payments. It suggests how you might allocate an amount you enter; you make every payment yourself with your issuer or biller.

Question 4

Does NESTA11 need my full credit card number?

Accepted Answer

No. NESTA11 stores a nickname, issuer, network, credit limit, balance, APR and dates. The last four digits are optional. Full card numbers, CVVs and banking passwords are never requested or stored.

Question 5

What is the NESTA11 payment planner?

Accepted Answer

The What Should I Pay? planner takes the amount you have available and your chosen goal, then suggests a split across cards and bills. Every line is editable before you act on it.

Question 6

What is Payoff Rollover?

Accepted Answer

When you mark a card paid off, Payoff Rollover helps you plan where that freed-up monthly payment could go next — another card, a loan, or savings. It is a planning suggestion only.

Question 7

Can I track recurring bills?

Accepted Answer

Yes. Rent or mortgage, utilities, insurance, loans and subscriptions can be tracked with fixed or variable amounts and several frequency options, and each month recurs automatically.

Question 8

Can I track statement closing dates?

Accepted Answer

Yes. Each card stores both its statement closing date and its payment due date, and both appear on the calendar and in Your Next Actions.

Question 9

Can I choose Avalanche or Snowball?

Accepted Answer

Yes. Avalanche orders your cards by highest APR first; Snowball orders them by lowest balance first. You can switch at any time.

Question 10

Can I create my own payoff priority?

Accepted Answer

Yes. The Custom strategy lets you place your cards in any order you like, and that order is saved to your account.

Question 11

How much does NESTA11 cost?

Accepted Answer

One membership: $8 per month or $80 per year. Every feature is included — there are no tiers and no feature gates.

Question 12

Can I cancel my membership?

Accepted Answer

Yes. You can cancel at any time from your membership settings, and access continues through the end of the period you already paid for.

Question 13

Is NESTA11 a credit repair company?

Accepted Answer

No. NESTA11 is not a credit repair organization, a bank, a lender, a credit bureau, a debt settlement company or a financial adviser.

Question 14

Does NESTA11 guarantee my credit score will improve?

Accepted Answer

No. No tool can promise that. NESTA11 shows utilization math and dates based on what you enter so you can make your own decisions; it makes no credit-score, interest-savings or debt-elimination guarantees.

Question 15

How is my information protected?

Accepted Answer

Data is encrypted in transit and at rest, and every financial record is tied to your authenticated account with database-level row security so no other subscriber can read it.

Question 16

Where can I contact NESTA11?

Accepted Answer

Use the Contact page or email support@nesta11.com. Never include full card numbers, passwords or account credentials in a support message.

NESTA11 Frequently Asked Questions