Abstract: Data processing methods for enhancing the value of a substantially conventional credit card so as to enhance a user's perception of the desireability of holding and using the card and encourage increased use of the card for its normal utility as a payment device. The user earns, for each transaction amount or payment amount of at least a predetermined size, a coupon redeemable by the user for a lottery ticket by which the user has an opportunity to recover at least a portion and potentially in excess of the user's transaction-based expenditures or payments. Transaction amounts or payment amounts in excess of the predetermined size but insufficient to earn an additional coupon are stored and then applied to user transaction or payment amounts during the next-subsequent billing period.