The cheapest credit cards substantially undercut the cheapest loan rate, and allow totally flexible repayments. Therefore, slash your borrowing costs by manipulating your card into acting like a loan, allowing you to borrow for as little as 5% - massively cheaper than the cheapest standard loan; and repay, overpay, or underpay without penalty.

Cheap credit cards provide the ability to borrow money at a lower interest rate than many other cards. Cheap credit card processing can help a merchant offer the ability for customers to pay for goods and services using a credit card, and this can increase a merchant's profits exponentially.

Some merchants – especially those who do not do large volumes of business – may be apprehensive about obtaining credit card processing because they fear the costs associated with these services. On the other hand, when customers are given the option to pay for goods and services with a credit card as opposed to cash, many merchants experience an increase not only in customers, but also in the volume of sales.