Abstract: A system, method, apparatus, means, and computer program code for evaluating one or more credit card accounts and, more particularly, for determining the profitability of one or more credit card accounts. According to embodiments of the present invention, data associated with one or more variables is determined for one or more credit card accounts. Once the data is collected or otherwise determined for a credit card account, it can be used to compute profitability of the credit card account. An account's profitability may then be used to determine a course of action regarding the credit card account.

Abstract: A system, method, apparatus, means, and computer program code for facilitating payment from an account. According to some embodiments of the present invention, a party or device may receive information indicative of a first account (e.g., a checking account) associated with an account holder. The party or device may then determine if the account holder has used the first account in the past (or within a designated time period) to make a payment to another account, another payee, etc. The party or device may then facilitate the actual monetary transaction or provide information regarding the scheduled payment to another party or entity that may facilitate the actual monetary transaction.