CARDPAL

computerized on-line registration and management system for credit cards, business cards, and social cards; said system allowing access to a computer program, which when downloaded to the cardholder's personal computer, allows the cardholder to interact with a card management system which provides means for reporting lost or stolen cards, for notifying card issuer of change of address, for requesting new or replacement cards, for disputing credit card charges, for notifying card issuer of cardholder's name or marital status changes, and for requesting credit increases