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WebSep 26, 2024 · Bip calls itself a “new kind of credit” – offering accessible credit without the need for the physical card. No annual fee or non-sterling transaction fee. If you don’t clear your balance in full each month, the APR of 29.9% makes this an expensive way to borrow. Not enough reviews Write a review. WebBits is a credit building service, that helps you improve your credit score without getting into unnecessary debt. WebFeb 2, 2024 · What’s good or bad about Pave? Pros You could improve your credit score, making it easier (and cheaper) to borrow money in the future. The app has a good range of budgeting features that really help you figure out how much you earn, spend and save every month. Features are really tailored to gig economy workers and their financial needs. Cons dfw brick repair