Credit card and sales card services for use in payment for goods and services; credit cards for payment of national and international telecommunications services, issuance of frequent passenger cards which provide special discounts, prizes for accumulated mileage, raffles, VIP-room use, airline service class upgrades; granting of credit, loans, [ ad ] *and* special discounts, including discounts at retail establishments and service companies with whom discounts have been contracted for; arrangements for installment payment; managing and contracting of mercantile accounts; organization investment and management of capital funds; providing information, brokerage and administration of insurance or all kinds; arranging for credit and prepayment systems in connection with sales of goods and services of all kinds; providing advance collection systems in connection with charge mechanisms against credited amounts as service use is generated; credit and financing operations; establishment [ an ] *and* operation of warranty services in connection with sales of goods and rendering of services and financial analysis