Patent ID: 8355984

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 adjusting, by the computer, loan fee terms for the plurality of separate predetermined loan increments responsive to the estimated tax refund so that a total value of a loan advance fee equals a predetermined loan advance fee multiplied by a number of separate predetermined loan increments drawn by the consumer.