Hybrid account

A system comprising:

• a processor, and
• a data storage device including a computer-readable medium having computer readable code for instructing the processor that, when executed by the processor, causes the processor to perform operations comprising:
• managing by the processor a hybrid account that is one consolidated account having attributes according to an extended credit line and having a balance, the balance valued at one of positive, zero, or negative, wherein:
• the hybrid account is provided by an issuer to a user;
• and
• the managing comprises:
• charging interest by the processor to the hybrid account when the balance is negative, wherein there is no payment due date for a negative balance;
• and
• paying interest by the processor to the hybrid account when the balance is positive.

A computer-implemented method comprising:

• evaluating, by a processor, a user profile from attributes of a prospective user;
• determining a risk, by the processor, based on a result of evaluating the user profile;
• extending a credit line for a hybrid account to a user, wherein a credit limit of the extended credit line is based on the determination of risk;
• providing, by the processor, access to a hybrid account via a hybrid card, wherein the hybrid card includes:
• a card body;
• and
• an identifier on the card body that corresponds to the hybrid account so that the hybrid card provides access to the hybrid account;
• and
• managing the hybrid account, by the processor, as one consolidated account, having an account balance, the account balance being either positive, zero, or negative, with no billing cycles, and wherein there is no payment due date for a negative balance.