Credit card services; providing credit card pre-qualification review; matching available credit cards to consumers; providing personalized credit card offers based on credit profiles; analysis of credit card offerings and qualifications; credit card approval processing; financial services; financial consultation, analysis of credit and available credit cards; downloadable computer software for matching available credit cards to consumers, for credit card application filing and for credit card approval and pre-qualification review; credit monitoring, credit scores reporting; downloadable computer software for assessing consumer credit, consumer credit reporting, assessing and comparing credit cards for consumers; downloadable computer application software for mobile phones, namely, software for matching available credit cards to consumers and for providing personalized credit card offers based on credit profiles and for assessing and comparing credit cards; direct to consumer financial information provided by electronic means