CASH IN ON THE DEMAND FOR CREDIT CARDS
          
          
               If you've been searching for a business
          opportunity to give you solid financial independence,
          or if you simply have been unable to obtain a VISA or
          MasterCard, then this article is going to be an
          exciting message for you. 
          
               Credit cards have revolutionaized the business
          world and have made many in that industry fabulously
          wealthy.  And it can do the same for you.
          
               Almost every other business requires you to
          convince someone that they need your product or
          service.  Give people the credit they need and they can
          then spend it on what they really do want.  Everyone
          knows what credit is and everyone has heard of VISA and
          MasterCard.  
          
               Our society today is run on credit.  Without
          credit cards it is virtually impossible to go shopping,
          make airline, hotel or car rental reservations, or even
          cash a check!  Many big city convenience stores now no
          longer even accept cash!  Today's mail, newspapers and
          television are flooded with advertisements for all
          sorts of products, but you can't order most of it by
          telephone unless you have a credit card.  It doesn't
          matter who you are, you cannot exist without credit
          cards.  Credit at one time was a luxury but in today's
          economy it has become a necessity.  
          
               Yet an estimated 140 million Americans don't have
          and can't qualify for a credit card.  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 (lack of 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 of 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 and
          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.
          
               These people can obtain a secured VISA card by
          opening a savings account with deposit of $400 or more. 
          The credit limit on the VISA will equal the savings
          deposit.  The transactions on this card will be
          reported to the credit bureau, building the record that
          is necessary for unsecured credit, but the fact that
          the card is secured will not be reported.  
          
               Many people are paying application fees of $35 to
          $65 to get these secured credit cards.  Not only is it
          possible to get these cards without an application fee,
          but the bank's marketing agency will pay you a
          commission of $15 to $20 for each accepted application,
          and 98% of applications are accepted. 
          
               Just imagine how much you could make offering
          people something that everyone needs and literally
          can't live without in today's economy.  Working part-
          time, you can make a lot of money filling this need.
          
               Distributors use techniques such as "Take-One"
          boxes in stores and approved printed media advertising. 
          Distributors 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 is controlled through a coded
          number on each application, which identifies the
          distributor.
          
               Prospective distributors have to complete an
          application form, giving personal and credit
          references.  A starting fee of $145 includes an initial
          supply of Take-One boxes, application forms, and a
          marketing guide.  The first 99 approved applications
          pay the distributor a commission of $15 each, 100-499
          pay $17.50 each, and from 500 approved applications
          onwards the distributor is paid $20 each.  Commissions
          are paid monthly.
          
               For information on becoming a distributor, write
          to: National Bankcard Services, Inc., Dept. A, 680
          Village Trace, Bldg. 20, Suite E, Marietta GA 30067.