Conducting a credit card customer incentive program; Administration of a customer loyalty program which provides rewards for charge card use; Providing incentive reward programs for credit card users through issuance and processing of rewards points, purchase points, cash back, or rewards; Credit card user loyalty and reward programs, namely, credit card customer loyalty services for promotional purposes; Promoting the use of credit cards through marketing offers and cardholder incentives; Promoting the goods and services of others by means of discounts, incentives and statement credits generated in connection with the use of credit cards