Patent ID: 8175962

Claim:
A computer-implemented method of adjusting an existing line of credit account, the method comprising: determining, by a computer associated with a credit provider and configured to control a plurality of existing line of credit accounts, whether a consumer has one or more of a plurality of existing line of credit accounts, each of the plurality of existing line of credit accounts adapted to be drawn in at least one of a plurality of separate predetermined loan increments; determining, by the computer, an estimated tax refund for the consumer responsive to the consumer having one or more of the plurality of existing line of credit accounts; determining, by the computer, a portion of the estimated tax refund available as borrowing capacity in a number of separate predetermined loan increments; and modifying, by the computer, the one or more of the plurality of the existing line of credits for the consumer based on the determined portion of the estimated tax refund available as borrowing capacity, the modification including at least an increase or decrease to a total credit limit of the one or more of the plurality of existing line of credits by the number of separate predetermined loan increments, the modified total credit limit adapted to be drawn in at least one of the plurality of separate predetermined loan increments.