Rewarding Good Consumer Credit Card Behavior
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United States of America Patent
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N/A
Issued Date -
Apr 3, 2008
app pub date -
Sep 15, 2006
filing date -
Sep 15, 2006
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Systems and methods are described whereby credit card customers can receive predictable rewards that serve as incentives to manage their credit card debt payments wisely. In particular, credit card holders receive rewards when making several consecutive timely payments. Cardholders also receive rewards when, in a given timeframe, they make some predetermined number of payments above the amount of the minimum payment due. The rewards may be processed in any of several ways chosen by the customer. The rewards' value may be arbitrary (dynamic or static), or based on account variables, such as the amount of interest due on the credit card account.
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