Patent ID: 8214286

Claim:
A computer-implemented method of adjusting an existing line of credit account, the method comprising of: 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 the 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, each of the plurality of separate predetermined loan increments being equal in value; 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; and increasing, by the computer, a total credit limit of the one or more of the plurality of existing line of credit accounts by a number of separate predetermined loan increments based on the estimated tax refund to thereby increase existing available credit for the consumer, the increased available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments.