Abstract: An online community for users of a financial services product, such as credit card users, and various features of such communities. For example, the members can share profits based on community performance, provide feedback and vote on ways to improve the financial services product experience, and help one other when possible. The online community can provide status indicators corresponding to members' engagement within the online community, publish the profit and loss statement of the financial services product associated with the community, provide a decline process that facilitates approval to the community for customers with improving credit, link members' deposits to provide a higher interest rate, automatically transfer balances between banks, and pay referral fees to the community.