Abstract: Systems, methods, and computer-readable media provide mechanisms to manage a financial account of a cardholder by defining one or more attributes associated with the financial account. The one or more attributes comprising information on one or more incentives for a billing statement for the financial account. A cardholder or other individual associated with the financial account may then be sent the billing statement, wherein the billing statement includes one or more incentives, such as incentives for one or more children of the cardholder or other individuals related to the cardholder (such as a spouse, a grandparent, etc.). The incentives may be conditioned on and used for encouraging timely payment by the cardholder.