Credit Cards
Credit card banks and credit card issuing — revolving programs issued to qualified accounts against written terms.
Card Banks · Issuing
The Card / The Lines
Five Lines On The Account.
Every line keeps its own terms and its own borrowers. Here's the complete credit roster — what each line lends and to whom.
Line I · Card Issuing
The Issued Card.
Charge Cards
Charge card issuing — statement-cycle charge programs for commercial and qualified accounts.
Charge · Statement Cycle
Line II · Sales & Asset Finance
The Financed Asset.
Vehicle & Equipment
Automobile financing and finance leasing, equipment finance leasing, machinery and truck finance leasing, and leasing in combination with sales financing.
Auto · Equipment · Truck · Lease
Sales & Inventory
Sales financing, installment sales financing, commercial and inventory financing, and short-term inventory credit lending.
Installment · Inventory · Short-Term
Premium Finance
Insurance premium financing for commercial and personal lines.
Premium · Insurance
Line III · Consumer Lending
The Personal Account.
Consumer & Personal
Consumer finance companies, personal credit institutions, consumer lending, and small loan companies — unsecured cash loans.
Consumer · Personal · Small
Student Loans
Student loan companies and education-related consumer credit.
Student · Education
Line IV · Real Estate Credit
The Secured Ledger.
Mortgage Lending
Mortgage banking, mortgage companies, real estate credit lending, home equity credit, construction lending, and reverse mortgage lending.
Mortgage · Equity · Construction
Correspondents & Farm
Loan correspondents lending against real estate collateral, farm mortgage lending, and Federal Land Banks programs.
Correspondent · Farm · FLB
Title & Pawn
Car title lending and pawnshop credit for secured short-term borrowing.
Title · Pawn
Line V · Markets & Trade
The Pooled Book.
Secondary Market
Secondary market financing — buying, pooling, and repackaging loans; private CMO and REMIC issuing; and government-sponsored secondary market programs.
Pool · Repackage · CMO · REMIC
Receivables & Factor
Factoring accounts receivable and purchasing accounts receivable for working capital.
Factor · A/R
Trade & Institutions
International trade financing, Edge Act and agreement corporations, agencies of foreign banks, industrial banks and Morris Plans (nondepository), and agricultural credit institutions.
Trade · Edge · Ag · Industrial
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Which Line Fits The Need?
Describe the credit need — the office routes it to the right line and responds within one business day.
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