Patent ID: 8407136

Claim:
A system for providing a starter credit account, comprising: a processor; and a memory storing a set of instructions that, when executed by the processor, perform operations comprising: providing a plurality of credit accounts including at least one starter credit account associated with starter credit account parameters and at (east one standard credit account associated with standard credit account parameters that are more favorable than the starter credit account parameters, wherein the starter credit account is provided to a trial customer who is not eligible to obtain the standard credit account; monitoring the starter credit account to determine whether the trial customer has met predetermined criteria associated with the starter credit account during a trial period and adjusting the starter credit account parameters based on the determination; modifying the duration of the trial period based on activities associated with the starter credit account; storing credit account information associated with standard credit account customers of the credit issuer in a first memory; storing starter credit account information associated with the trial customer in a second memory; and loading the starter credit account information stored in the second memory into the first memory after the starter credit account parameters associated with the starter credit account have been adjusted based on the determination.