Abstract: A system, program product and method for initiating a credit card account may comprise receiving an application from an applicant, conducting an approval process on the application, approving the application including assembling data in a credit card database without opening the credit card account, notifying the applicant of the approval, and providing a credit card object for the credit card account to the applicant. The method may further include requiring further action to be taken by the applicant before opening the credit card account, determining if the required further action has been taken by the applicant, and if determined so, opening the credit card account of the applicant to enable use of the credit card object to utilize the credit card account. The required further action may be payment of a required amount.