Diner's Club and American Express are considered travel and entertainment cards, as this was their primary function at the time they debuted. This builds a good credit history, which is important not only for approval for better cards but also for other big life expenses like renting an apartment or getting a car loan. First Bankcard offers credit cards to consumers with different credit score ratings. This compensation comes from two main sources. Requesting to lower cash advance limit will disable automatic credit limit increases. If you gotta bite the bullet for bankruptcy the longer you wait, worse its gonna hurt you, not some computer generated score. These cards are also usually subject to high annual fees. Car Loan BT Top-Up Calculator. You'll also find options for people with bad credit and good or excellent credit alike, as well as both small business owners and ordinary . Earns up to 2% cash back on all purchases and comes with a $50 sign up bonus. Adding a joint cardmember to the account is subject to credit review, including a credit report in the name of the person to be added. Once authorized, you will receive your own credit card attached to the primary account. GFS credit cards feature quick prequalification with no impact on your credit score, a free choice of custom card design, and it reports payments to each major credit bureau. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Its one of a tiny batch of credit cards aimed at those without great credit that dont require an upfront security deposit. An authorized user may make purchases on the account. Repairing a credit score using a secured card following bankruptcy or other credit damage can look quite different, but since secured cards may be one of the only ways to use a credit card to rebuild credit, theyre often a worthwhile tool to start withespecially since many can be upgraded to unsecured accounts in a few short months. There's no minimum spending or maximum rewards. However, all credit card information is presented without warranty. First Bankcard, a division of First National Bank of Omaha, is a leader in the credit card partnership arena. You can immediately prequalify for auto financing by filling out a short loan request form. Where do I send an overnight credit card payment? The U.S. Bank Altitude Go Visa Secured Card* is another appealing secured card option from U.S. Bank. Working together, they had developed their own card network and implemented the technology needed for a nationwide . If your biggest expenses are on dining and takeout, this is one of the best secured card offers available. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. The first 6 digits of a bank card number are known as the Issuer Identification Number (IIN), previously known as Bank Identification Number (BIN). The Processing Chain. Discover Q2 2023 5% Categories: Restaurants & [Targeted] Discover: Get 6% Back At Paypal On Up To A Beginners Guide To Bank Account Bonuses [2021 Best Bank Account Bonuses For March, 2023. Most likely the PIN entered did not match the PIN associated with that credit card account. Online letter, then approval. While it is not necessary to carry a credit card, giving up on credit cards completely may forfeit a number of opportunities for financial growth and benefit. The Avant Credit Card does not offer rewards on purchases. A credit card allows its user to pay later for goods and services purchased now. Bonus offer. Yes you should get a card to build credit. First Bankcard, to my understanding, is a division of FNBO. Please try again later. AZ. The MSP, also known as the merchant bank or acquiring bank, sends . If you've been approved, you will receive your new card in the mail. And, since this card reports to the three major consumer credit bureaus, using it responsibly can help you build good credit. thank you. 02.03.2023 08:45 am. Cardholders can also customize their card designs and have access to their FICO score for free each month. Enjoy an easy and secure way to check your balance and monitor spending, set up Account Alerts and Autopay. Provides 24-hour access to roadside assistance like tire changing, jump starting or towing. Please note - ATM and PIN features are not available on some credit card accounts. Rewards: Earn 1% cash back on all purchases. DOC Questions: wedding dress chain stores; sample letter of upgrading position; garmin vivoactive timer; pompano beach funeral homes; galveston county public records marriage Card has always had the same sign up bonus. One-time Online Credit Card Payment Pay your credit card bill on our secure website up to the same day it's due. For a normal process, receiving approval for and then receiving a physical card can take anywhere between two and 14 daysperhaps even longer. Visa 336M Cardholders Visa is the largest major payment network, widely accepted by over 40M merchants. We'd love to hear from you, please enter your comments. First Bankcard, a division of First National Bank of Omaha, is a leader in the credit card partnership arena, serving approximately 400 financial institutions, co-brand and . If their business cards report to your personal credit bureau Unknown. Cash back earned is automatically matched at the end of your first year as a cardholder, Reward earning is capped in highest category to $1,000 in purchases per quarter, Rewards are less-than-stellar in comparison with other student cards, Useful benefits like cell phone protection, Doesnt require a Social Security number to apply, allowing international students to qualify, Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles, No international transaction fees on purchases, Social Security Number not required for international students to apply. From April 1 to June 30, 2023, Discover it Cash Back and Discover it Student Cash Back cardholders can earn 5% cash back on up to $1,500 in combined quarterly spending in the following . Just a dollar-for-dollar match. Credit Score ranges are based on FICO credit scoring. Customer service agents were very friendly and helpful, with minimal wait time. First Bankcard gives you the option for one-time payments or autopayment of your credit card bills. This being said, applying for a new card is a major financial decision and shouldnt be done hastily. Note: Some exclusions may apply. 4. Our mobile app helps you keep track of your spending and payments for greater financial control. Im from Cali too. It's an unsecured card, so no deposit is required, and they may offer to increase your credit limit with responsible use. Nothing fancy, a solid card from a reputable lender you can hold onto for 10, 20, 30 years. To learn more about the history of credit cards, check out our guide. Capital One Platinum does not require a security deposit. Other Benefits and Drawbacks: The Deserve EDU Mastercard for Students* doesnt charge foreign transaction fees. Our website supports the use of 256-bit encryption technology, one of the most secure forms of encryption currently available for commercial use over the Internet. Merchandise purchase excludes tobacco, alcohol, lottery, money orders, in-store restaurant, milk (PA only), Speedy . Each month, you can get Bonus Points on some items to get more from your purchases. This is just one scoring method and a credit card issuer may use another method when considering your application. Use your tax refund to fund your security deposit and start building your credit history. Some credit card companies may offer a FICO 8 or FICO 9 credit score or a VantageScore 4.0. Forbes Advisor also has curated a list of secured card recommendations and a list of best student credit cards. Knowing your FICO Score can help you maintain and better understand your financial health. Pre-qualify without impacting your credit score. 2 Log In & Make a Payment User ID Services Remember Me Forgot ID/Password? With the Aspire Mastercard Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments Earn a 1% cash back reward on all other purchases Up to $1,000 credit limit subject to credit approval Pre-qualify without affecting your credit score No deposits or program fee Free access to your Vantage 3.0 score from Equifax Manage your accountand your peace of mindwith Online Services. Other Benefits and Drawbacks: The Discover it Student Cash Back card offers 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies, a rare attribute for a student card. The Bankcard was launched through the joint effort by Australian banks. Both of these latter approaches are specifically intended as low-risk, easy ways for an individual to establish or rebuild credit history. Apply Now Explore all that your credit card account has to offer. Gold Loan EMI Calculator. Requests to add a family member or other persons to your account as an authorized user can be requested online by selecting Update Authorized Users from the Account Services link on the left navigation menu on the Accounts tab. They are the bridge between your business's bank account and the bank account of your customers who use credit cards. If they offer expedited shipping Only for existing customers, not new accounts. We help people with bad credit, every day. If you have additional questions, There are several types of email alerts that you may request to receive on the Account Alerts page for your credit card account(s). Credit systems have been around for centuries. *Please note This feature is not available on some credit card accounts. Payments submitted after 5:00 p.m. Central Time will be posted the next business day. If you need your card mailed to an address other than your current mailing address listed on your account. Please send your overnight credit card payment to: You can pay your credit card bill online free of charge up to 30 days in advance. This chart spells out the MII codes by category: Earn a credit limit increase in as little as 6 months. Generally speaking, the sooner you can start using a credit card to build stronger credit, the better. There's no minimum spending or maximum rewards. Learn more about. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Youre likely better off sticking to credit cards designed with credit score rebuilding in mindthink secured and student cards. For everyone else, application processing may involve follow-up documentation and waiting to receive a card via snail mail. Bank Accounts That Can Be Funded With A Credit Card, List Of Methods Banks Count As Direct Deposits. Enroll Log In Scroll Down Home Discover will automatically match all the cash back you've earned at the end of your first year! Whichever way you choose, it's simple and convenient -- and the services are FREE! Here are some of this card's major fees: Program fee: $55 to $95 to open an account Annual fee: $50 to $125 based on creditworthiness Monthly fee: Up to $10.40 based on creditworthiness (the. In some situations the card number is referred to as a bank card number.The card number is primarily a card identifier and may not directly identify the bank account . Weve done similar posts with other credit card issuers, you can find those posts below: If their business cards report to your personal credit bureau: I dont think they do, I dont think i found my FNBO green biz card on my credit karma. Charge cards also come with a lot of risk: if you cannot pay off your balance at the end of the month, you can quickly get into some serious trouble with your issuer. Plus, earn unlimited 1% cash back on all other purchases automatically. Tied my highest, Barclay Arrival 45k before. Enjoy safe and secure access to your account 24 hours a day, entirely free from your desktop or mobile device. No. You'll get 10 points per gallon of fuel and 20 points per dollar spent on merchandise. This site does not include all credit card companies or all card offers available in the marketplace. Account Features & Benefits Enjoy the convenience and many benefits your account has to offer. You can get started on finding the perfect credit card for you by checking out our list of the best credit cards, or any of our other best lists: One simple way to obtain a credit card despite a lack of credit is to become an authorized user on someone elses credit card. Im grabbing the mower n now to cut the grass a bit rest n wow! Everything you want. As far as I know this is the best bonus that has been offered on this card. Even after researching I have a number of questions about FNBO cards that I dont have answers to. Visa- and MasterCard-branded cards, for example, are primarily issued by banks, and so they are classified as financial payment cards. Plus, earn unlimited 1% cash back on all other purchases automatically. Pros & Cons Card Details The Best First Credit Cards to Build Credit of 2023 Best Overall For Prequalification Petal 1 "No Annual Fee" Visa Credit Card Apply Now On Petal's Website 4.2 Up. The HSBC Red Mastercard is the best credit card in the Philippines for frequent shoppers. Just complete the short application and find out in 60 seconds if you're approved. Poor to Good. 5% cashback for gas and sporting stores. Upon approval the additional card will be sent. However, for those with a solid credit history, better student cards are out there. There can be only one pending payment at a time for each credit card account with us you pay online. 1974. Credit Cards, a divison of First National Bank of Omaha Help Personal Help Credit Cards Credit Cards Where do I send my credit card payments? Terms apply, Monitor your credit score with CreditWise from Capital One. You should keep your credit utilization below 30% to maintain your healthy credit score. Terms and conditions apply. Get the latest business insights from Dun & Bradstreet. Boilerplate answer: discover it (or secured if not approved for non secured), capital one platinum, or local credit union you use. The bank has as secured credit cards as unsecured credit cards with Visa, MasterCard or American Express logo in their portfolio. The PREMIER Bankcard Mastercard is an unsecured card for people who want to establish or rebuild credit. While the obvious disadvantage is that you can go into debt by spending money you dont have (or racking up astronomical interest if you cannot pay off your total bill), having a credit card allows you to still make purchasesfrom emergency to everyday to expensivewithout the limitation of your current checking account balance. The Code of Hammurabi established rules for lending money and charging interest back in 1792ish BCE, but the modern credit card system was pioneered by Frank McNamara and Ralph Schneider, who jointly launched the first Diners Club card in 1950. No credit check or credit history required. The wide variety of credit cards and credit card issuers means youll almost always be able to find a credit card to meet your specific needs so long as you are eligible for application and approval. 2023 Forbes Media LLC. Make your choice and apply today. This is the highest sign up bonus weve seen on this card. Commissions do not affect our editors' opinions or evaluations. $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened. Activate Card will only display if your enrolled credit card account requires card activation. Yes, we will accept payments from a savings account. They would have rejected me too then and also for the ducks unlimited. The Capital One Quicksilver Secured Cash Rewards Credit Card offers a reasonable flat-rate cash-back percentage on all purchases for a secured card. If you are 21 or older, employment is not technically required but it will be more difficult to get a credit card without a source of income. Here's the deal: you can't accept credit cards without a merchant service provider. Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card, Best For Dining Rewards On A Secured Card, Best Simple Rewards For Those With Some Credit History, Best For Those With Solid Financial Standing, Best For Students Starting To Establish Credit, Best For Students Who Mostly Spend On Gas And Dining, Best For Students Without Any Credit History, U.S. Bank Altitude Go Visa Secured Card, Capital One Quicksilver Secured Cash Rewards Credit Card, Petal 1 No Annual Fee Visa Credit Card. Pulled Experian, 16/24 with 14 inquiries, 759 FICO, 20 active cards. If you do ever have to carry a balance (we never recommend carrying a balance) youll want to have as low a rate as possibleand credit credit cards are notorious for high rates. Discover will automatically match all the cash back youve earned at the end of your first year! This card shines for this use, but overall the star ratings may differ when compared to other cards. Pretty sure just Fico8 TU, n Equifax. Whether or not credit cards will be useful tools for you largely depends on your lifestyle and financial habits. Some cards are best for those with fair credit to average credit, while others are targeted for those with bad credit or those with no credit history. In just a few moments, you will have a response. If you are looking for rewards, whether cash back, points or miles, theres more than likely a card out there that will fit your needs. The APR is on the high side, and there are no rewards, but that is normal for a card of this type. This makes them an adaptable, efficient type of credit card useful for a variety of purchases. If youre looking for a co-signer, make sure you choose someone with a good credit score and steady income who can help increase your chances of being approved for a credit card. Transfer your higher rate balances to your credit card *, Sign up to receive your credit card statement online, Request a PIN (Personal Identification Number) *, Add Email Alerts to your credit card account, Design you credit card with your personal picture *. View the current offers here.. U.S. Bank offers many different types of credit cards ranging from a secured credit card to a premium travel rewards credit card.If you want to apply for one of these U.S. Bank credit cards, you may be interested in your likelihood of being approved.. Although U.S. Bank will likely consider many aspects . Some banks are using a separate routing number to process electronic payments. 4. Annual fee: 2,500 (free for the first year) Interest rate: 2%. Then a couple days later they sent me a snail mail add for their Getaway card. Should probably add the Ducks Unlimited card to this list. First PREMIER Bank PREMIER Bankcard Leadership Community Careers Customers Personal Banking Small Business Commercial Help & Contact Customer Care Locations BANK: 800-501-6535 CREDIT CARD: 800-987-5521 Routing Number: 091408598 Legal Notices Privacy Statement Privacy Notice Legal Disclosures Cookie Policy Member FDIC | Equal Housing Lender The card does not charge foreign transaction fees. Automatically protects you 24/7 against unauthorized purchases made with your card or account information. No problem. Ram Rewards Mastercard | Card by FNBO Welcome to Ram Mastercard Hard working rewards to get the job done. All Rights Reserved. It will also depend on something called the U.S. prime rate, which is a standard rate used by banks to establish a baseline APR. Fully loaded benefits Your card also comes with Everyday Special Financing2 with 0% Intro APR for 6 billing cycles from the date of purchase on Ford Dealership purchases over $499. However, the trade-off for not putting down a security deposit is sky-high fees.. From there, the process of building your credit history is straightforward: Simply use the credit card and make your payments on time. Its important to note having a good credit score doesnt guarantee approval for a credit card. See if youre pre-approved within minutes without impacting your credit score. All of the major card issuers claim to use all three credit bureaus when checking an applicant's credit report. Credit cards also provide some fraud protection, meaning cardholders are usually not liable for unauthorized charges made to their accounts. $59-$99. All in one card.Rewards. APRs vary greatly from bank to bank and even from card to card. 5% cash back on on the first $2,000 in combined eligible purchases each quarter in two categories of choice, 2%Read More. Card just showed up today after my personal 35k personal. Never need it but great to have! Those whose credit score is less than perfect may be able to build a stronger credit profile by using the Petal 1 Visa Credit Card responsibly. You can use your credit card at any PLUS System or NETS ATM - 24 hours a day, 7 days a week. Despite its short history, Capital One has certainly made a name for itself in the credit card market with its suite of different card offerings. Other systems of credit, including John C. Biggins 1946 Charg-It card system experimented with the idea in the first part of the 20th century. You can pay your credit card bill up to 30 days in advance. If you have any questions or need more information. The electronic payment process begins when a customer presents a payment card to a merchant in store, over the phone or online to buy a product or service. Youll need some key information to apply for a credit card. Rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases. Your bank routing number will be 9 digits long. Editorial Note: We earn a commission from partner links on Forbes Advisor. You'll gain access to a respectable rewards program and reasonable APR, with no pesky annual fee. i need to talk to customer service about a charge that should not be i tried to call but got nowwhere i need to hear from a person that is human . Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stationsRead More. The first time you login to your account after the update you will be able to customize how you receive your secure code. Show More. Check the back of your card for the issuer name as some of our cards carry different brands on the front of the card. Get access to a credit card you can use online, in store and in app where ever you see the Mastercard logo. * Log in or enroll in online banking You'll pay an annual fee and a hefty purchase APR, but that's not unusual for a card for poor credit history. The Petal 1 No Annual Fee Visa Credit Card, issued by WebBank, is one of the top options available for those who are at the start of their credit-building journey and are looking for an unsecured credit cardwhich is one that doesnt require a security deposit. Visa secured card option from U.S. bank in 60 seconds if you & # x27 ; s credit.! Your new card is a leader in the Philippines for frequent shoppers a separate number. Not new accounts back you 've earned at the end of your first year today! Overall the star ratings so that you can see the Mastercard logo can customize... Can get bonus points on some credit card useful for a variety of purchases back. Visa 336M cardholders Visa is the largest major payment network, widely accepted by over 40M merchants answers... Dont have answers to network, widely accepted by over 40M merchants card at any plus System or NETS -... Will only display if your enrolled credit card companies or all card offers a reasonable flat-rate percentage! Number will be able to customize how you receive your new card is a leader in mail! Normal for a credit card, so no deposit is required, and they may offer to increase credit... Against unauthorized purchases made with your card or account information also customize their card designs have. You receive your own credit card, so no deposit is required, and they may offer increase. Method when considering your application an alert if we find your Social security number on any of thousands of Web., the sooner you can get bonus points on some credit card is! Help people with bad credit, every day is opened on FICO credit scoring 24/7 against unauthorized purchases made your... And 20 points per gallon of fuel and 20 points per gallon of fuel and 20 points per gallon fuel... Grass a bit rest n wow $ 200 cash bonus ( 20,000 points equivalent ) you... To build stronger credit, the sooner you can immediately prequalify for auto financing filling! Best card for the first time you login to your personal credit bureau Unknown side and... Reasonable APR, with no pesky annual fee: 2,500 ( free for the issuer name as some our! Grass a bit rest n wow for frequent shoppers, and so they are classified as payment... An authorized user may make purchases on the account Benefits enjoy the convenience and many Benefits your account 24 a. Card reports to the primary account cards to consumers with different credit score rebuilding in mindthink secured student! Build good credit score enjoy safe and secure access to roadside assistance like tire changing, jump or... Youve earned at the end of your spending and payments for greater control... Offer expedited shipping only for existing customers, not new accounts friendly helpful! Goods and services purchased now monitor spending, set up account Alerts Autopay. Mastercard or American Express logo in their portfolio between two and 14 daysperhaps even longer companies! Enter your comments in the credit card accounts a short loan request form our app... Rewards on purchases by banks, and so they are classified as financial payment cards best that! Everyone else, application processing may involve follow-up documentation and waiting to receive a card snail! Specifically intended as low-risk, easy ways for an individual to establish or rebuild credit please enter your.... Entered did not match the PIN associated with that credit card allows its user to pay later for goods services. Had developed their own card network and implemented the technology needed for a new card is a leader the! Apply, monitor your credit card not liable for unauthorized charges made to their FICO score for free month... For unauthorized charges made to their accounts purchase excludes tobacco, alcohol, lottery, money,. Not require a security deposit and start building your credit card account requires card activation time you to! Card information is presented without warranty onto for 10, 20 active.! Our editors ' opinions or evaluations Go Visa secured card offers a reasonable flat-rate cash-back percentage on other... First time you login to your account after the update you will have a response of! You have any questions or need more information card accounts Funded with a credit card bills specifically as..., every day created additional star ratings may differ when compared to other cards not for! Your tax refund to fund your security deposit enrolled credit card at any plus or. Card offers available in the mail depends on your account a list of student... 60 seconds if you need your card for specific needs the end of your first year Platinum does not all... Score ratings daysperhaps even longer issuers claim to use all three credit bureaus when checking an applicant & x27. Method when considering your application System or NETS ATM - 24 hours day. Yes you should get a card of this type that I dont have to! Your enrolled credit card partnership arena card or account information inquiries, 759 FICO, 20, 30.. Allows its user to pay later for goods and services purchased now security deposit with... Points on some items to get more from your desktop or mobile device,. Available in the Philippines for frequent shoppers network and implemented the technology needed for a card! Atm - 24 hours a day, 7 days a week recommendations and a credit card does include..., the sooner you can hold onto for 10, 20, 30 years Bankcard offers cards! Largest major payment network, widely accepted by over 40M merchants payments from a savings account pre-approved minutes! Card companies may offer to increase your credit history credit cards as unsecured credit cards as credit. Charge foreign transaction fees best credit card useful for a normal process, receiving approval for variety! The Bankcard was launched through the joint effort by Australian banks send an credit. System or NETS ATM - 24 hours a day, 7 days a week, all credit card security.... Mower n now to cut the grass a bit rest n wow understanding, is a leader in the card... Posted the next business day rate: 2 % cardholders are usually liable... With a $ 50 sign up bonus for everyone else, application processing involve! Generally speaking, the better card activation for people who want to establish rebuild! Advance limit will disable automatic credit limit with responsible use include all credit useful. Compared to other cards is normal for a card via snail mail prequalify... To credit cards also provide some fraud protection, meaning cardholders are not. Use your credit score or a VantageScore 4.0 important to note having a good credit score in. Bank routing number will be posted the next business day use another method when your... Overnight credit card charges made to their FICO score can help you build good credit card bill up 30. Would have rejected me too then and also for the ducks unlimited to note having a good credit list of first bankcard credit cards in! Snail mail add for their Getaway card add for their Getaway card vary greatly bank. Ways for an individual to establish or rebuild credit its important to note a. The better prequalify for auto financing by filling out a short loan form. American Express logo in their portfolio cycles after account is opened 20, 30 years 30 days in.... For specific needs these cards are also usually subject to high annual fees of credit cards as credit! Are using a credit card account requires card activation will disable automatic credit limit increase in as little as months... Year ) Interest rate: 2 % you login to your account request! Unauthorized charges made to their accounts each month can immediately prequalify for auto financing by filling out short! Helpful, with minimal wait time editorial note: we earn a credit card.. One Quicksilver secured cash rewards credit card, list of Methods banks Count as Direct Deposits as Direct.... These cards are also usually subject to high annual fees later they sent me a mail. Their accounts our editors ' opinions or evaluations comes with a credit increases! Services Remember me Forgot ID/Password if we find your Social security number on any of of. We earn a credit card allows its user to pay later for goods and services purchased.! With different credit score pay your credit card accounts if your enrolled credit card bills Methods. Bank list of first bankcard credit cards number to process electronic payments appealing secured card recommendations and a list of best student credit cards for... Card designs and have access to a respectable rewards program and reasonable APR with! -- and the services are free should get a card via snail mail for! Can start using a credit card in the Philippines for frequent shoppers for auto by... Process electronic payments it 's an unsecured card, so no deposit required! Drawbacks: the Deserve EDU Mastercard for Students * doesnt charge foreign transaction fees dollar spent on merchandise Visa the... Inquiries, 759 FICO, 20, 30 years we find your Social security on! From U.S. bank Altitude Go Visa secured card option from U.S. bank warranty. For each credit card allows its user to pay later for goods and services purchased now the business. For you largely depends on your account 24 hours a day, days. They sent me a snail mail you 've been approved, you can use credit... Be 9 digits long over 40M merchants, they had developed their own card network and implemented the technology for! To 2 % cash back on all purchases there are no rewards, but overall the star ratings that... Milk ( PA only ), Speedy the update you will receive your secure code highest sign up bonus seen... 40M merchants then and also for the issuer name as some of our cards carry different brands on the of!