| 摘要 |
<p num="1"><br/><br/><br/>A method of providing a variable credit account to a consumer (12) is <br/>provided. The method includes the steps of: offering, by a credit issuer(14), <br/>a variable credit account to a consumer(12) by telephone, electronically, mail <br/>or at an in-store location; accepting, by the consumer(12), the offer; <br/>opening, by the credit issuer, the variable credit account (18) for the <br/>consumer(12), where the account includes an open-ended loan portion(22) and a <br/>close-ended loan portion(20). The method may further include the steps of <br/>initially activating the open-ended loan portion (22) when the initial offer <br/>is made electronically, by mail or at an in-store location; and initially <br/>activating a close-ended loan portion (20) of the account when the initial <br/>offer is made at any point-of-sale. A system and apparatus for providing a <br/>variable credit account to a consumer (12) is also discussed.<br/>
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