System and method for administrating a credit card use incentive program by which a credit card holder earns rebate in the form of an additional payment toward an outstanding loan principal to reduce overall cost of the installment loan

摘要

A credit card incentive program wherein a credit card issuer issues a credit card to a credit card holder, who has an outstanding installment loan account with a lending institution; wherein the credit card holder can earn a periodic rebate through use of the credit card, which rebate is in the form of a payment to the lending institution made by the credit card issuer on behalf of the credit card holder; and wherein the payment is applied against the outstanding principal on the installment loan account.