Abstract: This disclosure relates to receiving, through a user interface, a selected plurality of retailers and respective requested value amounts, where the selected retailers and value amounts represent a consumer's request for multiple gift cards, and where the gift cards provide purchasing power at the plurality of retailers in the respective value amounts; applying, through a rules engine, a set of rules to the selected retailers and value amounts, where the rules engine is capable of using the rules to determine costs associated with the requested gift cards; generating a financing request for financing for the consumer, where the financing request is based on the selected retailers, the value amounts, and the rules; obtaining, through a loan system interface, financing for the consumer based on the financing request; and using the obtained financing to request the gift cards for the consumer.

Abstract: A system and method is provided to manage a reaffirmation credit card account associated with an outstanding debt of a user. The reaffirmation credit card account includes a credit line account record, providing an available credit up to a credit limit, and a pre-existing debt account record. The outstanding debt of the user is transferred to the pre-existing debt account record. When a payment to the reaffirmation credit card account is received from the user, the payment is allocated between the credit line account record and the pre-existing debt account record, based on predetermined allocation criteria. The amount of available credit in the credit line account record is increased, based on whether the received payment or series of payments satisfies predetermined payment criteria.