Patent ID: 8150762

Claim:
A system for acquiring credit comprising: an information collecting device configured to collect information based on interactions between a credit provider and a member, wherein the credit provider and the member belong to a membership organization; a first information handling subsystem to connect to a second information handling subsystem of the credit provider through a network to provide a request from the member for a general use credit account provided by the credit provider, wherein the credit provider has a membership relationship with the member prior to the request for the general use credit account; a request collection engine coupled to the second information handling subsystem for beginning a credit application session, whereby the credit application session is a period of continuous contact between the first information handling subsystem and the second information handling subsystem of the credit provider through the network; and a request processing engine coupled to the request collection engine, the request processing engine configured to direct a computer processor to: determine whether to grant or deny the general use credit account provided by the credit provider during the credit application session, wherein the determining to grant or deny includes the request processing engine using previously collected information about the member requesting the general use credit account that was supplied to the credit provider based on interactions between the credit provider and the member prior to the credit application session, wherein the determining to grant or deny indicates that the general use credit account is to be initially denied; wherein upon initial denial of the general use credit account based on the determining to grant or deny indication, review the previously collected information about the member, wherein the previously collected information indicates that the member falls under a category of a pre-commission program in a Reserve Officers' Training Corps (ROTC) program, an Officers Candidate School/Officers Training School (OCS/OTS) program, or a military academy; grant the general use credit account to the member after the review of the previously collected information indicates that the member falls under the category of a pre-commission program in a Reserve Officers' Training Corps (ROTC) program, an Officers Candidate School/Officers Training School (OCS/OTS) program, or a military academy; wherein the previously collected information used by the request processing engine includes an indicator as to whether the member requesting the general use credit account has caused the credit provider a previous loss.