System and method for increasing credit worthiness of account holders

1. A digital card having a front side and a back side, the digital card comprising:

a memory that stores data associated with an account and a user;

a sensor that detects a user's fingerprint to identify the user;

a front display on the front side of the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint;

a microprocessor, coupled to the memory, sensor and the front display, programmed to perform the following:

detect spend activity on the digital card, wherein the digital card is associated with a first level having a first credit limit;

identify the user's credit worthiness based at least in part on monitored spend activity;

determine whether the user qualifies to advance to a next level based on the monitored spend activity and user payment activity, wherein the next level represents a credit limit that is different from the first credit level; and

automatically update the front display on the digital card responsive to the user's credit worthiness and the monitored spend activity wherein the front display provides a status icon that reflects the user's progress and advancement to the next level, wherein the next level comprises a higher user credit limit.

2. The digital card of claim 1 , wherein the digital card is associated with a mobile app that executes on a mobile device associated with the user and linked to the account.

3. The digital card of claim 2 , wherein the mobile app provides a customized recommendation for spending with the digital card.

4. The digital card of claim 2 , wherein the mobile app provides customized educational information concerning the user's credit worthiness.

5. The digital card of claim 1 , wherein the microprocessor is further programmed to: determine the user's credit score and behavior.

6. The digital card of claim 1 , wherein the front display of the digital card changes its appearance with an automatic update.

7. The digital card of claim 1 , wherein the microprocessor is further programmed to: automatically update the front display on the digital card responsive to the user's social media activity.

8. The digital card of claim 1 , wherein the microprocessor is further programmed to: update one or more features of the digital card responsive to the user's credit worthiness, spend activity and payment activity.

9. A method for implementing a digital card having a front side and a back side, the digital card comprising a memory that stores data associated with an account and a user; a sensor that detects a user's fingerprint to identify the user; a front display on the front side of the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint; and a microprocessor, coupled to the memory, sensor and a front display, the method comprising the steps of:

detecting, via the sensor, a user's fingerprint to identify the user;

displaying, via the front display, an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint;

detecting spend activity on the digital card, wherein the digital card is associated with a first level having a first credit limit;

identifying the user's credit worthiness based at least in part on monitored spend activity;

determine whether the user qualifies to advance to a next level based on the monitored spend activity and user payment activity, wherein the next level represents a credit limit that is different from the first credit level; and

automatically updating the front display on the digital card responsive to the user's credit worthiness and the monitored spend activity wherein the front display provides a status icon that reflects the user's progress and advancement to the next level, wherein the next level comprises a higher user credit limit.

10. The method of claim 9 , wherein the digital card is associated with a mobile app that executes on a mobile device associated with the user and linked to the account.

11. The method of claim 10 , wherein the mobile app provides a customized recommendation for spending with the digital card.

12. The method of claim 10 , wherein the mobile app provides customized educational information concerning the user's credit worthiness.

13. The method of claim 9 , further comprising the step of: determining the user's credit score and behavior.

14. The method of claim 9 , wherein the front display of the digital card changes its appearance with an automatic update.

15. The method of claim 9 , further comprising the step of: automatically updating the front display on the digital card responsive to the user's social media activity.

16. The method of claim 9 , further comprising the step of: updating one or more features of the digital card responsive to the user's credit worthiness, spend activity and payment activity.