Abstract: A method includes providing an authorized user of a credit card issued by a service provider, the authorized user referring customers to the service provider for credit card services, the customers submitting applications for credit card services to the service provider, the service provider receiving and processing and approving the applications and issuing credit cards to the customers, and in consideration therefore issuing valuable consideration to the authorized user.

Abstract: A method for improving credit of a cardholder of a prepaid card. The method may include establishing an account associated with the prepaid card. A load may be applied to the account to create an available balance for the cardholder. A credit instrument associated with the cardholder and the prepaid card may be established. An initial credit balance to the credit instrument may also be established. Payment from the cardholder may be collected, and, in response to collecting the payment from the cardholder, at least a portion of the collected payment may be applied to the credit instrument associated with the cardholder and the prepaid card. A credit history of the cardholder may be updated and reported to at least one credit bureau.

Abstract: A method for building credit may include providing an authorized user of a pre-paid card issued by a service provider. The service provider may charge the authorized user a fee for the pre-paid card and establish a loan loaning the authorized user an amount equal to the fee under loan terms specifying a repayment schedule. The repayment schedule may include periodic installments and a minimum amount due for each of the periodic installments, where the loan may be independent from the load applied to the pre-paid card. The authorized user repays the loan in accordance with the loan terms so as to create a credit history. The service provider may report the credit history to a credit bureau to improve a credit score of the authorized user.