Abstract: A method includes receiving input at a website from a user to indicate at least one preference of the user in regard to a payment card product that the user wishes to acquire. The method further includes selecting at least one payment card product from a plurality of payment card products. The payment card in question is selected based at least in part on the preference indicated by the user. The method also includes requesting a pre-approval credit evaluation of the user and receiving a result of the pre-approval credit evaluation. In addition, the method includes downloading a display page to the user to indicate the selected payment card product and to indicate that the user has been pre-approved for the payment card product.