Abstract: Methods for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.

Abstract: A system and method for extending and securing credit with an applicant's equity in real property is provided. An applicant first applies for a home equity line of credit. The necessary documentation and steps to secure credit with an interest in real property can be time consuming. To provide more rapid access of funds to the applicant, after determining whether the applicant is credit worthy, perhaps from a subset of information found on the application for the equity line of credit, the lender extends an unsecured line of credit to the applicant with the understanding that once the additional documentation and steps are completed, the unsecured line of credit will be converted to a secured line of credit. When the additional documentation and steps are completed, the lender files a lien on the applicant's equity interest and converts the unsecured line of credit to a secured line of credit. The lender may additionally provide a credit card with which funds may be drawn on the credit line.