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                                                                    EXHIBIT 10.5

                     SECOND AMENDMENT TO CREDIT AGREEMENT
                     ------------------------------------

     This Second Amendment to Credit Agreement ("Amendment"), dated September
28, 1999, is entered into by and among PNC Bank, National Association ("Bank"),
RMH Teleservices, Inc. ("Borrower"), and RMH Teleservices International, Inc.
("Surety").

                                  Background
                                  ----------

     A.   Borrower and Bank are parties to a certain letter agreement, dated
March 21, 1997 (as amended from time to time, "Credit Agreement"), pursuant to
which Bank established for the benefit of Borrower a line of credit in the
maximum aggregate principal amount of Four Million Dollars ($4,000,000), as
evidenced by that certain Committed Line of Credit Note, dated March 21, 1997,
executed by Borrower in favor of Bank ("Note").  Capitalized terms used but not
otherwise defined in this Amendment shall have the meanings given to such terms
in the Credit Agreement.

        B.  Bank and Borrower desire to modify the terms and conditions
              of the credit Agreement as more fully set forth herein.

                             Terms and Conditions
                             --------------------

     NOW, THEREFORE, with the foregoing background hereinafter incorporated by
reference, the parties hereto, intending to be legally bound, hereby covenant
and agree as follows:

     1.   Line of Credit and Use of Proceeds.  The Credit Agreement is hereby
          ----------------------------------
amended by deleting Section 1 in its entirety and replacing it with the
following:

     1.        Line of Credit and Use of Proceeds. The first credit facility is
               ----------------------------------
          a committed revolving line of credit under which Borrower may request
          and Bank, subject to the terms and conditions of this letter, will
          make advances to the Borrower from time to time until the Expiration
          Date ("Line of Credit"). The aggregated principal amount of unpaid
          advances (including unreimbursed draws on Letters of Credit and
          outstanding and undrawn Letters of Credit) under the Line of Credit
          shall not, at any time, exceed Ten Million Dollars ($10,000,000). The
          "Expiration Date" means September 30, 2000, or such later date as may
          be designated by Bank by written notice to Borrower. Advances may be
          used for working capital or other general business purposes of the
          Borrower.

     2.   Letters of Credit.  The Credit Agreement is hereby amended by deleting
          -----------------
Section 5 in its entirety and replacing it with the following:

     5.        Letters of Credit. As part of the Line of Credit and subject to
               -----------------
          its terms and conditions, Bank shall make available to Borrower,
          letters of credit ("Letters of Credit") which shall not exceed in the
          aggregate, at any one time
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          outstanding or unreimbursed, $10,000,000. All Letters of Credit shall
          be in form and substance satisfactory to Bank. Borrower shall pay to
          Bank a letter of credit fee equal to one percent (1%) per annum of the
          face amount of all outstanding Letters of Credit, which shall be
          payable quarterly in arrears. Borrower shall also pay to Bank standard
          costs and fees upon the issuance, amendment, transfer or modification
          of each Letter of Credit plus any other reasonable and customary
          charges imposed by Bank for the issuance, amendment, transfer or
          modification of Letters of Credit. No Letter of Credit shall be issued
          with an expiry date later than three years from the date of issuance.
          Borrower shall execute and deliver to Bank all agreements and
          documents (including, without limitation, reimbursement agreements)
          reasonably required by Bank (collectively, "LC Documents") in
          connection with the issuance of Letters of Credit, all in form and
          substance reasonably satisfactory to Bank. Each Letter of Credit
          issued from time to time under the Line of Credit which remains
          undrawn (and the amounts of draws on Letter(s) of Credit prior to
          reimbursement as hereinafter set forth) shall reduce dollar for dollar
          the amount to be borrowed by Borrower under the Line of Credit.
          Letters of Credit shall be immediately reimbursed by Borrower when
          drawn by a cash payment by Borrower or, at the option of Bank, by Bank
          automatically making or having deemed made (without further request or
          approval of Borrower), a cash advance under the Line of Credit. The
          obligation of Borrower to reimburse Bank for drawings made under the
          Letters of Credit shall be absolute, unconditional and irrevocable and
          shall be paid strictly in accordance with the terms hereof and the LC
          Documents under all circumstances. In addition to amounts payable as
          elsewhere provided in this Section 5, without duplication, and,
          without limitation, by any terms set forth in the LC Documents,
          Borrower hereby agrees to protect, indemnify, pay and save Bank
          harmless from and against any and all claims, demands, liabilities,
          damages, losses, costs, charges and expenses (including reasonable
          attorneys' fees and costs) which Bank may incur or be subject to as a
          consequence, direct or indirect, of (i) the issuance of the Letters of
          Credit or (ii) the failure of Bank to honor a drawing under any Letter
          of Credit other than claims, demands, liabilities, damages, losses,
          costs, charges and expenses resulting solely from Bank's gross
          negligence or willful misconduct. Upon the occurrence of an Event of
          Default (as defined in the Note) and in addition to all other rights
          and remedies available to Bank, Borrower shall, upon demand of Bank,
          be obligated to deliver and pledge to Bank cash collateral (on terms
          and conditions satisfactory to Bank) in at least the amount of all
          outstanding Letters of Credit.

     3.   Fees and Expenses.  The Credit Agreement is hereby amended by adding
          -----------------
Subsection 8(c) as follows:

          (c)  Unused Commitment Fee - So long as the Line of Credit is
               ---------------------
     outstanding and has not been terminated and the obligations hereunder are
     not
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     satisfied in full, Borrower shall unconditionally pay to Lender a fee equal
     to one quarter of one percent (0.25%) per annum of the daily unused portion
     of the Line of Credit, which fee shall be computed on a quarterly basis in
     arrears and shall be due and payable on the first day of each fiscal
     quarter commencing on October 1, 1999.

     4.   Financial Covenants.  Exhibit "A" to the Credit Agreement is hereby
          -------------------
amended by deleting the third paragraph of Section II(b) in its entirety and
replacing it with the following:

               For purposes hereof, "EBITDA" shall mean for any period,
     Borrower's earnings before extraordinary items (including, without
     limitation, any gain or loss from Borrower's investment in "365biz.com")
     less interest income plus interest expense plus income tax expenses, plus
     ----                 ----                  ----                      ----
     depreciation expenses plus amortization expenses, all as determined in
                           ----
     accordance with GAAP.

     5.   Negative Covenants.  Exhibit "A" to the Credit Agreement is hereby
          ------------------
amended by deleting Subsections III (d) and (e) in their entirety and replacing
them with the following:

          (d)  Borrower will not, nor suffer or permit any Subsidiary to, make
     acquisitions of all or substantially all of the property or assets of any
     person, firm, corporation or other entity, except for a one time investment
     on terms and conditions satisfactory to Bank of $1,000,000 in a joint
     venture with Advanta Partners to be called "365biz.com".

          (e)  Borrower will not, nor suffer or permit any Subsidiary to, make
     or have outstanding any loans or advances to or otherwise extend credit to
     any person, firm or corporation, except: (i) accounts receivable in the
     ordinary course of business and other than advances by the Subsidiaries to
     Borrower, (ii) certain loans from Borrower to its employees, limited in
     amount to $300,000 at any time outstanding in the aggregate, (iii) certain
     loans from Borrower to Surety, limited in an amount to $2,000,000 at any
     time outstanding in the aggregate, or (iv) as otherwise permitted in
     subsections (b) or (d) above. Borrower specifically agrees, without
     limitation, that Borrower will not make or suffer or permit to exist or be
     outstanding any loans or advances to any Subsidiary, and Borrower hereby
     represents to Bank that there are no outstanding loans or advances to any
     Subsidiary as of the date hereof.

     6.   Negative Covenants.  Exhibit "A" to the Credit Agreement is hereby
          ------------------
amended by adding Subsection III(f) as follows:

          (f)  Subject to Subsection (a) above, Borrower and each of its
     subsidiaries will not incur, create or assume any commitment to make any
     direct or indirect payment, whether rent or otherwise, under any lease
     rental or other arrangement for the use of real or personal property,
     except for: (i) operating leases with Bank or its affiliates, or (ii)
     operating leases with other parties so long as the aggregate outstanding
     obligations, direct or indirect, due or to become due, under all such
     leases does not exceed $6,000,000.
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     7.   Payment of Fee.  In consideration of the agreements and undertakings
          --------------
of the Lender set forth in this Amendment, and contemporaneously with the
execution hereof, Borrower shall pay to Bank a fee of Ten Thousand Dollars
($10,000)("Closing Fee").

     8.   Representations and Warranties.  Borrower and Surety represents and
          ------------------------------
warrants to Bank that:

          (a)  the execution and delivery by Borrower and Surety of this
Amendment and performance by each of them of the transactions contemplated
herein (i) are and will be within the corporate powers of Borrower and Surety,
as applicable, (ii) have been authorized by all necessary corporate action of
Borrower and Surety, as applicable, and (iii) are not and will not be in
contravention of any order of any court or other agency of government, of law or
any other indenture, agreement or undertaking to which Borrower or Surety is a
party or by which the property of Borrower or Surety is bound, or be in conflict
with, or result in a breach of or constitute (with due notice and/or lapse of
time) a default under any such indenture, agreement or undertaking or result in
the imposition of any lien, charge or incumbrance of any nature on any of the
properties of Borrower or Surety;

          (b)  this Amendment and any other agreements, instruments or documents
executed and/or delivered in connection herewith, shall be valid, binding and
enforceable against Borrower and Surety in accordance with their respective
terms, except as enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium and similar laws affecting the
enforcement of creditors' rights generally and by general equitable principles;

          (c)  all warranties and representations contained in the Credit
Agreement and all related agreements, instruments and documents are true and
correct as of the date hereof;

          (d)  no Event of Default as defined under the Note and no event which,
with the passage of time, giving of notice or both would become an Event of
Default as defined under the Note, has occurred or is existing; and

          (e)  there are no outstanding loans or advances to any Subsidiary as
of the date hereof.

     9.   Conditions to Closing.  Bank's obligation to enter into this Amendment
          ---------------------
is subject to the following conditions having been satisfied in full to Bank's
satisfaction:

          (a)  Execution and delivery by Borrower to Bank of this Amendment;

          (b)  Execution and delivery by Borrower to Bank of a certain Amended
and Restated Committed Line of Credit in the principal amount of $10,000,000, in
form and substance satisfactory to Bank;
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          (c)  Payment by Borrower to Bank of the Closing Fee;

          (d)  Delivery by Borrower to Bank of such other documentation or
documents as Bank may reasonable require;

          (e)  No Event of Default as defined under the Note and no event which,
with the passage of time, giving of notice or both would become an Event of
Default as defined under the Note, has occurred or is existing; and

          (f)  Payment or reimbursement by Borrower to Bank for all legal and
other expenses incurred by Bank to analyze, prepare and negotiate and conclude
this Amendment and all related agreements and transactions described herein.

     10.  Reaffirmation by Borrower.  Borrower ratifies and reaffirms all of its
          -------------------------
obligations to Bank under the Credit Agreement and related agreements,
instruments and documents and agrees that the same are owing to Bank without
defense, setoff, claim or counterclaim, of any nature.  Borrower hereby
ratifies, restates and reasserts each of the representations and warranties, and
each of the covenants, whether affirmative or negative, contained in the Credit
Agreement and all related agreements, instruments and documents and acknowledges
and agrees that all such representations and warranties, and covenants are
incorporated herein by reference and made part hereof.

     11.  Reaffirmation by Surety.  Surety, by its execution of this Amendment
          -----------------------
in its capacity as surety, reaffirms and acknowledges its obligations under the
Surety Agreement and acknowledges and agrees that it continues to be liable as
surety for all of the liabilities, debts and obligations of Borrower to Bank
under the Credit Agreement, as amended hereby.  Surety further confirms and
agrees that the terms and conditions of the Surety Agreement remains unchanged
and in full force and effect and continues to cover the indebtedness of Borrower
to Bank to the full extent set forth in the Surety Agreement.

     12.  No Waiver by Bank.  This Amendment does not and shall not be deemed to
          -----------------
constitute a waiver by Bank of any breach or violation of any representation,
warranty or covenant made or agreed to by Borrower under the Credit Agreement as
amended hereby, and all of Bank's claims and rights resulting from any such
breach or misrepresentation by Borrower, are expressly reserved by Bank.  This
Amendment does not obligate Bank to agree to any further extension or any other
modification of the Credit Agreement nor does it constitute a waiver of any
other rights or remedies of Bank.

     13.  Incorporation.  This Amendment shall amend, and is incorporated into
          -------------
and made part of, the Credit Agreement.  All reference to the Credit Agreement
shall mean the Credit Agreement as amended hereby.  To the extent that any term
or provision of this Amendment is or may be deemed expressly inconsistent with
any term or provision in the Credit Agreement, the terms and provisions hereof
shall control.  Except as expressly amended by this Amendment, all of the terms
and conditions of the Credit Agreement continue unchanged and remain in full
force and effect.
<PAGE>

     14.  No Modification.  No modification hereof or of any agreement referred
          ---------------
to herein shall be binding or enforceable unless in writing and signed on behalf
of the party against whom enforcement is sought.

     15.  Successor and Assigns.  This Amendment will be binding upon and inure
          ---------------------
to the benefit of the parties hereto and their respective heirs, executors,
administrators, successors and assigns.

     16.  Governing Law.  This Amendment shall be governed by, and construed and
          -------------
enforced in accordance with the laws of the Commonwealth of Pennsylvania.

     17.  Counterparts.  This Amendment may be executed in any number of
          ------------
counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute one and the same agreement.
Signature by facsimile shall also bind the parties hereto.


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     IN WITNESS WHEREOF, the parties, intending to be legally bound, hereto have
executed this Amendment as of the date first above written.

                              Bank:
                              -----

                                 PNC Bank, National Association


                                 By: /s/ Karen M. Shoener
                                     -------------------------------
                                 Name:  Karen M. Shoener
                                 Title: VP



                              BORROWER:
                              ---------

                                 RMH Teleservices, Inc.


                                 By: /s/ Noah Asher
                                     -------------------------------
                                 Name:  Noah Asher
                                 Title: CFO


                                 Attest: /s/ Jack Todes
                                         ---------------------------
                                 Name:   Jack Todes
                                 Title:  Director, Financial Analysis



                              SURETY:
                              -------

                                 RMH Teleservices International, Inc.


                                 By: /s/ Michael J. Scharff
                                     -------------------------------
                                 Name:  Michael J. Scharff
                                 Title: EVP


                                 Attest: /s/ Jack Todes
                                         ---------------------------
                                 Name:   Jack Todes
                                 Title:  Director, Financial Analysis