Abstract: Systems and methods are provided for setting a cycle date for a financial account. For instance, a cycling module may be provided to set a default cycle date for cycling the financial account, and an account monitoring module may be provided to determine whether a transaction is posted on the financial account within a first predetermined period before the default cycle date. If a transaction is posted on the financial account within the first predetermined period, then the cycling module sets a new cycle date. The new cycle date can be set to a date that follows the transaction post date by a second predetermined period. Alternatively, the new cycle date may be set to other dates, such as a date corresponding to the next qualifying date.

Abstract: Systems and methods are provided for setting a cycle date for a financial account. For instance, a cycling module may be provided to set a default cycle date for cycling the financial account, and an account monitoring module may be provided to determine whether a transaction is posted on the financial account within a first predetermined period before the default cycle date. If a transaction is posted on the financial account within the first predetermined period, then the cycling module sets a new cycle date. The new cycle date can be set to a date that follows the transaction post date by a second predetermined period. Alternatively, the new cycle date may be set to other dates, such as a date corresponding to the next qualifying date.

Abstract: Methods, systems, and articles of manufacture for providing a reward incentive credit card product is disclosed. Customers may be offered a reward incentive credit card product form a credit card issuer that allows the customer to accumulate reward points based on payments received by the credit card issuer. The reward points may be used to obtain consumer goods from the credit card issuer and/or third party vendors. The credit card issuer may adjust the number of reward points associated with the customer's account based on determined criteria and parameters including the amount of payment received by the credit card issuer and the timeliness of the payment. Based on an aggregated number of reward points accumulated by the customer, base don his/her payment activities, the customer may be provided with an indication reflecting consumer goods, such as goods and/or services, that the customer is eligible to obtain using the accumulated reward points.

Abstract: Methods, systems, and articles of manufacture for providing advantage credit card products to customers is disclosed. A financial account provider may provide a consumer with a financial account that may be used for purchase transactions with vendors. Additionally, the financial account provider may allow the consumer to select a vendor to be associated with the financial account. Thereafter, the financial account provider may charge fees to the financial account for purchase transactions with the selected vendor based on advantage account parameters. Furthermore, fees may be charged to the financial account by the financial account provider for purchase transactions with other vendors based on standard account parameters. The one or more advantage account parameters may include terms that are more favorable to the consumer than terms associated with standard account parameters.