Synchrony Bank

The easiest way to apply for the Lowe's Store Card is by filling out an application online. Click “Apply Now,” then start by filling in the last 4 digits of your Social Security number and your phone number. Follow the instructions to complete your application. You'll also have to provide more personal information, including your address, full SSN, and salary.

Alternately, you can apply for the Lowe's Store Card in person at any Lowe's location. Ask your cashier about filling out an application, or go to the customer service desk. If you're approved the same day, you'll be able to use the card for your purchases. New cardholders are usually eligible for a discount on their first purchase, regardless of whether they're approved the same day they apply. If you have applied for the Lowe's Store Card but haven't yet received a decision, you can check the status of your application by calling (800) 445-6937 and choosing the “Lowe's Store Card” option.

The easiest way to pay your American Eagle Credit Card bill is online. Sign in to your AEO Credit Card account, then enter your bank routing number and account number on the payments page to fund your AEO credit card payment.

You can also mail in a payment for the AEO Credit Card. Just send a check or money order, along with the payment coupon attached to your credit card statement, to AEO, Inc. Credit Card Services / P.O. Box 530942 / Atlanta, GA 30353-0942.

To pay your American Eagle credit card bill by phone, call 800-843-0875 and use the automated system to make your payment. If you go through a customer service agent, however, there's a $10 fee to pay your bill by phone.

You can make a QVC Credit Card payment online, by phone, or by mail. The easiest way to pay your QVC Credit Card bill is online. Just log into your account and navigate to the Make a Payment page, where you'll be able to enter your bank account information.

Or, to pay your QVC Credit Card bill by mail, send your check or money order to the following address: Qcard / P.O. Box 530905 /  Atlanta, GA 30353.

You can make a payment over the phone, too, though the card issuer may charge a fee for doing so. First, call QVC at 877-490-1787. You can choose to speak to a representative if you call between 7 AM and 1 AM ET, 7 days a week, or you can keep listening to the automated options. At the end of the options menu, you'll be able to enter your account number. From there, you can follow the prompts to make a payment.

It costs as little as $45 per year to join Sam's Club, depending on which membership plan you choose.

Basic membership, which costs $45 per year, gets you instant savings on select items and other conveniences.

With your other option, Sam's Plus, you get even more perks, such as early shopping hours, free shipping and 2% back on qualifying purchases, but it costs $100 per year.

You can learn more about these plans on Sam's Club website.

You can use your CareCredit Credit Card in more than 225,000 healthcare providers in the U.S. You can also use your card to purchase pharmaceutical and health-related products at thousands of Walgreens, Walmart, Rite Aid and Sam's Club locations nationwide. Your CareCredit Credit Card can be used for medical procedures ranging from LASIK and vision care to dentistry, veterinary care, hearing care and more. To find the locations and providers near you that accept this card, go to the CareCredit website, click on the “Find a Location” tab, and enter your city or zip code. All of the available locations will pop up, and you can select the type of specialist you're looking for.

The CareCredit Credit Card helps individuals pay for healthcare expenses that aren't covered by insurance. These cards differ from normal credit cards in terms of available financing options and how long you have to pay off the expenses. CareCredit Credit Card offers several financing options to cover costly medical expenses that may take longer to pay off than normal credit card purchases. For purchases of $200 or more, you can receive a 0% APR period of 6, 12, 18 or 24 months. But that's deferred interest, not true 0% interest; if you fail to make minimum monthly payments along the way, or you don't pay off your full balance by the end of the 0% period, interest will be charged from the original purchase date.

The CareCredit Credit Card also has longer-term financing options with low fixed interest rates (rather than 0%) for purchases of $1,000 and up. Those have payoff periods of 24, 36, 48 or 60 months. The shorter the time period you choose, the lower your fixed interest rate will be. There are fixed monthly payments required until the amount has been paid in full.