Users of the ReservePlus loancard pay themselves an interest rate pegged at the prime rate (currently 5%) plus a service fee of from 2.9% to 3.25% of the outstanding balance, which goes to Bent's firm.
Building wealth is not only about growing your assets, but also reducing your liabilities, be it a mortgage, student loan, car loan, credit card debt, or a small business loan.
Unlike credit scoring systems (like Fico) that can't see the layer of activity below credit card and loan payments, Fiserv tracks consumer accounts, debit card payments and online bill-pay habits.