Abstract: My pin driven CRE & MCPC system will consolidate rewards and credit & debit cards of each member into a single high security micro chip personal card that can be used at all vendors where these credit & debit cards are accepted. The CRE & MCPC card will be used as a traditional credit/debit card by inserting it into the card terminal at any vendor that accepts credit/debit card, enter their 5 digit pin; select the card from their account to charged the purchase to (ie: 1=AMEX; 2=VISA; 3=MASTERCARD; 4=DISCOVER and so on for local store credit cards.) This MCPC system will give each member the option to split up the payment of a single purchase with more than one card in their CRE & MCPC account. Members will also manage other aspect of rewards and credit/debit cards.