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1995-05-10
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FNCB / MasterCard Marketing
Today's society makes it nearly mandatory for one to have a major credit
card. Credit cards are not only used for purchasing goods, but as ident-
ification for many financial transactions, as well. Unfortunately, millions
of people are routinely denied credit cards for various reasons, such as no
prior credit history, poor credit history (i.e. problems caused by divorce,
judgment or liens on property, and many other reasons). All of this provides
an opportunity for you to earn considerable income while helping provide a
needed service.
FIRST CREDITCARD SERVICES, INC. (FCS) is pleased to bring you one of the
best secured credit card programs on the market today. FCS has a contractual
relationship with FIRST CONSUMERS NATIONAL BANK (FCNB) of Portland, Oregon
to assist in marketing and promoting its Secured MasterCard Credit Program.
The FIRST CONSUMERS NATIONAL BANK Secured Credit Card Program was created to
help the millions of people previously unable to obtain a major credit card,
and is consistently ranked by independent credit card research groups as one
of the top secured credit card programs in the nation.
Some credit card companies charge brokerage and processing fees at costs
averaging $60. the consumer pays these costs before the application even
receives approval. THE FIRST CONSUMERS NATIONAL BANK policy of NO upfront
charges or fees, plus the attractive Certificate of Deposit interest rate
are definitely competitive advantages. In addition, customers can receive
their MasterCard within as little as two weeks, as opposed several months
it may take other companies. We feel the consumer recognizes these out-
standing benefits and selects the FIRST CONSUMERS NATIONAL BANK Program
over the competition's.
MARKETING REPORT
The demand for credit is increasing every year. One of the fastest growing
markets is in credit cards of all types, with the "major" cards VISA and
MasterCard established as the dominant brands in the marketplace.
Many major corporations are laying off hundreds of thousands of employees,
many of whom thought they had a job for life. During the past seven years
(remember, credit bureaus report information 7 to 10 years old and older
in some cases), 50 million Americans have suffered income interruptions,
job layoffs or reduced incomes (i.e. lack overtime, loss of second job,
etc.). Over 2 million Americans have had their home foreclosed. Industry
statistics indicate approximately 40 million people in the USA are denied
credit each year. Fourteen million divorces occurred during the last seven
years. Bills often go unpaid while attorneys fight over assets and many
people come out of divorce court with a blemished credit rating. Fifteen
million young people 18 to 21 years of age have not yet established credit.
Large numbers of people immigrate to our country each year, many whom wish
to establish credit. In addition serious illness and accidents strike
millions of families each year with the consequences of huge medical bills
and income interruptions. The individual may recover, but the credit rating
can remain tarnished for 7 to 10 years.
Desire and demand are very high from these groups to obtain a major credit
card. Secured VISA/MASTERCARD credit cards can be the answer to the demand.
These cards have been available for quite a few years from a few lending
institutions. Consumer awareness is low, but improving, due primarily to
limited interest and lack of effort in marketing by most lending institutions.
Consumer participation, however, has been high for those consumers who are
familiar with secured credit cards.
Rated by independent industry research organizations, the bank's secured
credit card programs consistently ranks among the nation's best. The dist-
ributor marketing program is accomplished through a network of independent
marketing representatives, referred to as "distributors" using proven
techniques such as "Take-One" boxes and approved printed media advertising.
Distributors will promote the secured credit card program by placing Take-One
displays in various retail outlets for customers as well as employees.
Typical locations are check cashing outlets, liquor stores, video stores, or
most retail establishments with a heavy volume of traffic. Compensation will
be controlled through a coded number on each application, which will identify
each distributor.
PRODUCT DESCRIPTION SUMMARY
FIRST CONSUMERS NATIONAL BANK "TAKE-ONE" CREDIT CARD PROGRAM FACTS:
* 18.9% Annual Percentage Rate (APR)
* $39 Annual Fee (Waived for first 6 months)
* $100 Minimum Deposit
* Credit Limit 150% of Deposit
* Eligible for an unsecured credit limit increase after 18 months of
favorable credit history
COST TO BECOME A DISTRIBUTOR
For a limited time we are offering potential distributors the opportunity
to join our program for the low cost of $145.00. This entitles you to receive
20 "Take-One" boxes and 500 applications (25 for each box).
Our advanced kit sells for $225. (see below).
Starter Set - $145
* 20 Take-One Boxes
* 500 Applications
* FCS Marketing Guide
Advanced Kit - $225
* 50 Take-One Boxes
* 2500 Applications
* FCS Marketing Guide
COMMISSION SCHEDULE
Cumulative Approvals
* 1 - 99 Approvals = $15.00 each
* 100 - 499 Approvals = $17.50 each
* 500 + Approvals = $20.00 each
Commissions are paid each month following the approval of the MasterCard.
EXAMPLE
If you have 100 "Take-One" Displays and each display produced one approved
application per month, your monthly income would be $1,500. Once you reach
a cumulative of 100 approved applications, your income increases to $17.50
per application or $1,750 per month, and after you accumulate 500 applicat-
ions, you will receive $20.00 per application or $2000 per month (based on
the 100 approved applications per month). Needless to say, this is an
excellent part-time income. The more displays you put out, the higher your
income potential. These prices are for a limited time only, so don't delay
your decision.
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For more information on this opportunity or to receive a Distributor
application fill out the information request form in this section.