Financial consulting services for credit unions and other financial institutions, namely, providing credit card portfolio management services, credit card portfolio monitoring services by means of a global computer network, credit card settlement services, credit card authorization and risk management services, portfolio growth services, portfolio marketing services, providing information to credit card users via 24-hour telephone services, collection services, namely, credit collection and recovery, credit services, namely, providing photo identification credit cards, corporate and business credit cards and user-selected personal identification numbers for credit card holders; debit card services and bill payment services, namely providing electronic transaction processing, cash disbursement, cash replacement rendered by debit cards, deposit access and automated teller machine services and providing online debit card services, point of sale and point of transaction services, debit card verification, debit card transaction authorization and settlement services, debit card risk management and debit card embossing services, providing information to debit card users via 24-hour telephone services, and providing financial information, namely, debit card data analysis and reports, via a global computer network