Abstract: A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card, assigns an initial credit limit well below a tolerance level to the account, develops credit history data based on account activity during predetermined short intervals of time, evaluates the credit history data after each of the predetermined short time intervals, and determines whether to increase the credit limit of the account based on the evaluated credit history.

Abstract: A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card, assigns an initial credit limit well below a tolerance level to the account, develops credit history data based on account activity during predetermined short intervals of time, evaluates the credit history data after each of the predetermined short time intervals, and determines whether to increase the credit limit of the account based on the evaluated credit history.

Abstract: Methods and systems are disclosed for automatically preventing delinquency of payment on financial accounts. In one implementation, methods or systems may be provided for associating a credit cardholder's account to the cardholder's bank account. If the cardholder fails to make a required monthly payment on the credit card account, the required payment is automatically withdrawn from the bank account prior to credit card account being reported as delinquent.

Abstract: A method for analyzing transactional payment data is shown. Transaction data, relating to a transaction between a payor and at least one of a plurality of payees is collected. The collected transaction data from a plurality of payors is normalized to create normalized data. The normalized data is scaled to create financial information. The financial information is provided to a user.

Abstract: Methods and systems are disclosed for automatically preventing delinquency of payment on financial accounts. In one implementation, methods or systems may be provided for associating a credit cardholder's account to the cardholder's bank account. If the cardholder fails to make a required monthly payment on the credit card account, the required payment is automatically withdrawn from the bank account prior to credit card account being reported as delinquent.