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Low Interest
Credit | Top Companies: This Week's Reviews |
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| Services Offered:
Low interest credit cards and loans |
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| Company Overview:
Abacus Credit was first established in 1998. The company
provides credit to all types of consumers, regardless of
their credit history. They do have some low interest
credit cards for people. They serve more than 50,000
customers each year. The company requires that you
contact them via e-mail so that everything is in writing
for the safety and security of everyone. |
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| Our Review:
Abacus Credit is a great company for anyone who needs a
credit card. They have low interest credit cards, no fee
credit cards, and plenty of loan options for consumers
in need of a low interest loan. Their customer service
is great, and the website is really easy to use. |
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| User Review:
Abacus Credit was able to help me find a low APR credit
card even though my credit isn’t that great. I was
really impressed with their service and the variety of
options that I had. Even though my credit is bad, I’m
now able to work on restoring it without having to pay
the top interest rates like other companies wanted me
to. |
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| Services Offered:
Low interest credit cards and loans |
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| Company Overview:
Credit Axis has a network of over 80 lenders that they
work with, providing credit card solutions to all
customers regardless of their credit. They have low
interest credit cards and other features that many
people with bad credit generally can’t get approved for.
They also have a variety of loans for consumers. The
company was established in 2003, and serves thousands of
customers every year. |
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| Our Review:
Credit Axis is another company that has some great
solutions for credit customers of all types. Their
information is easy to find, and they offer low interest
credit to those who might not otherwise find it. Their
customer service is exemplary, and the lenders that they
work with are among the best in the industry. |
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| User Review: I
never thought I’d get a low APR credit card with my
credit. However, when I applied with Credit Axis, I was
able to get a lower interest rate than my husband, who
has much better credit. I was so impressed and grateful,
because I can now rebuild my credit without it costing
me a fortune. |
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| Services Offered:
Low interest credit cards and loans |
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| Company Overview:
Bank of Internet is an online-only lender that was
founded in 1999. They have over $1 billion in assets,
and offer solutions for banking and lending to consumers
all over the U.S. The company has an array of credit
cards and loans, including low interest credit cards and
loans for consumers. |
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| Our Review:
Bank of Internet is still one of our favorite online
lenders. They have so many options for consumers,
including low interest credit cards. Their applications
are simple, the website is well designed, and the
customer service is outstanding. Plus, they operate
online-only, which allows them to offer much lower
interest rates than other companies might be able to. |
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| User Review:
I got a great low APR credit card from Bank of Internet
about a year ago. I love the service, and it’s great to
have a card that doesn’t cost more than I actually spend
on it. I didn’t really expect what I got, though, so I
am pleasantly surprised that it has worked out so well
thus far. |
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| Services Offered:
Low interest credit cards and low APR credit cards |
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| Company Overview:
Discover card has been in business since the 1980’s.
They have always had rewards programs, no annual fee
cards, and low interest credit cards for their
customers. Their two payment networks had more than 3
billion transactions in 2006 alone. The PULSE network
has more than 4,400 bank affiliations and over 260,000
ATMs around the world. |
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| Our Review:
Discover is a great company to work with. They are a
leader in the consumer credit industry, which makes them
a great company in and of themselves. Their website is
very professionally designed and easy to navigate, while
their customer service is nearly unmatched in
professionalism and personability. All in all, their low
interest credit cards are well worth checking out. |
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| User Review:
Discover card has been a staple in my life for many
years. I love the low interest credit card that I have,
and the fact that it has a cash back rewards program
makes it all the better. They are so good at attending
to my needs, no matter how large or small, and they have
all kinds of benefits for customers that stay around for
a long time. |
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Other Top Companies for
Low Interest Credit : |
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How to Get Approved for Low Interest Credit Cards: |
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Many people
think that you have to have perfect credit in order to
get low interest credit cards. In most cases, this is
true. However, even those with less than perfect credit
can get the low interest credit cards that they need if
they know where to look. There are so many companies
that are willing to work with people who don’t have
credit, and many people aren’t even aware that they
exist. By taking the time to research credit cards and
find out which ones you’re eligible for, you might end
up getting better rates than you ever thought possible.
Low interest credit cards aren’t specifically reserved
for those with perfect credit, and you shouldn’t limit
yourself to paying a higher interest rate just because
you don’t think that you qualify for a particular card.
Choosing a credit card will be a matter of which ones
you like best, as well as which have the features that
you want. For example, if you want a low APR credit card
with a rewards program, you can narrow your search by
those criteria to find the best options. If you don’t
have perfect credit, search for companies like the ones
listed above, who give everyone a chance to have a low
interest credit card. If you want to build your credit
to get a better interest rate, you might be better to
take whatever you can get, and use it wisely until your
credit score is back in a range that will permit you to
get a lower interest rate. A great way to turn your high
interest card into a low APR credit card is to keep
payments on time, pay more than the minimum, and use the
card regularly. After about six to eight months, call
the credit card company and ask them for an interest
rate reduction. They’ll review your credit report and
score, and determine if you qualify. Asking never hurts
anything, so it’s the least that you can do.
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