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Interest Rate | Top Companies: This Week's Reviews |
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| Services Offered:
Low interest rate credit cards and loans |
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| Company Overview:
Abacus Credit serves over 50,000 customers each year,
and has been in business since 1998. They have great
credit cards and loans for all types of consumers,
including many low interest rate products. The company
mandates that all contact is done via e-mail so that
everything is kept in writing. |
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| Our Review:
Abacus Credit has great services for all types of
people. They have many different products for all types
of customers, and they offer them through a very well
designed website. They have simple solutions for
everyone, and the customer service is top-rate. |
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| User Review:
Abacus Credit really surprised me. They had many
different low interest rate credit cards and loans for
me to choose from, even though my credit wasn’t that
great. I’m so impressed with the service and products I
was given. |
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| Services Offered:
Low interest rate credit cards and loans |
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| Company Overview:
Credit Axis works with more than 80 lenders to provide
low interest rate credit cards and loans to all
consumers with all types of credit. Their cards and
programs are great for people who otherwise can’t get
approved for credit, and they have a variety of lending
programs for those same consumers. They have been in
business since 2003, and serve thousands of customers
every year. |
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| Our Review:
Credit Axis is a great company to work with, especially
for those consumers who have bad credit and still want a
low interest credit card. This company has a great
website and a very easy application process. They also
have great customer service, and we love that they are
willing to work with bad credit customers. |
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| User Review:
Credit Axis found me an affordable credit card when I
didn’t think I could ever get one. They had so many
great products to choose from, and I love the great
service that I got from them, too. I am so happy that I
am able to rebuild my credit now, thanks to them. |
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| Services Offered:
Low interest rate credit cards and loans |
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| Company Overview:
Bank of Internet has over $1 billion in assets
currently, and were established back in 1999. At the
time, they were the first online-only lender, and they
continue to be a leader in the industry for credit
cards, loans, and online banking solutions for customers
across the United States. |
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| Our Review:
Bank of Internet is, and always has been, one of our
favorite companies for credit cards and loans. They have
a really neat setup, and a very professional demeanor
for interacting with their customers. The website is
easy to use, and the customer service is outstanding,
which you would expect from a leader in the industry. |
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| User Review:
Bank of Internet is a great company! I love the card, I
love the service, I love everything. It was so easy to
apply for and get approved for this card, and I can’t
wait to see what else they’ve got that can help me out
down the road. |
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| Services Offered:
Low interest rate cards |
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| Company Overview:
Discover Card was established in 1986, and has always
offered low interest rate cards and reward programs.
They have two different payment networks that they work
with. The PULSE network works with more than 4,400 banks
and 260,000 ATMs around the world. |
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| Our Review:
Discover is, by far, one of the best cards that you can
get when it comes to finding low interest rates. Their
cards all come with great rewards programs, too, which
is another bonus. Customer service is as it should be
with this industry leader, and the website is very easy
to use and professionally designed. |
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| User Review:
Discover has some really great interest rate offers on
their cards. I was impressed with everything that they
had to offer, including how fast I got all of the things
that I needed. Their application only took about five
minutes, and customer service was really easy to get
ahold of, too. |
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Other Top Companies for
Interest Rate : |
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Interest Rate Secrets and Tricks: |
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Whenever you’re
looking for a loan or a credit card with a low interest
rate, you should take the time to make sure that you’re
actually getting a low interest rate for a period of
time and not just for a short time. For example, a card
might come with 0% APR to start with, but after 3-6
months, you’ll need to know what the APR will increase
to. For example, if after 6 months, it goes up to 18%,
then the card that offers a flat interest rate of 12%
from the time of acceptance is actually a better card to
have. It all depends on what you need, though. By taking
the time to check out these different options, you’ll be
much more informed about interest rates. Keep in mind,
also, that a credit card or loan company can raise your
interest rate at any time, based on the creditworthiness
that you have and any changes that take place. For
example, if you suddenly default on your payments, you
might notice that your interest went from 12% up to 29%,
which is usually the default rate on most cards. In this
case, you need to stop spending and start paying so that
you can get the card paid off in a timely fashion,
improve your credit, and then ask for an interest rate
deduction from the credit card company. A credit card
company doesn’t have to tell you that they’re increasing
or lowering your rates, either. That’s why you need to
check your statements very carefully for special notes
and information. If you have good credit and become a
loyal customer, you’ll be rewarded with interest rate
reductions and higher credit limits. If, however, your
credit gets worse during the time that you have a card
or loan, you’ll likely have credit limits reduced and
interest rates increased. To keep tabs on this, you need
to read all of your credit card statements carefully so
that you know what is going on. Keep these things in
mind when it comes to interest rate issues, and you’ll
be better prepared to get the most from your credit and
lending needs.
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