Promoting the goods and services of others by providing a web site at which users can link to sites featuring financial products and services, credit reports and credit screening, and information regarding mortgages, real estate, home purchases and relocation [ ; promoting the goods and services of others by providing discount coupons, special website offers and promotional offers through direct mail and electronic mail; promoting credit card use by providing discounts on various goods and services purchased with a credit card; monitoring customer accounts and providing an alert as to changes therein, as well as providing on-line charts and graphs documenting those changes and account status; collecting and maintaining a user's personal data on-line so that the user need not reenter that data for subsequent on-line purchases or applications; providing consumer information, namely, providing on-line deal and price comparison services that compare information from the consumer's aggregated account, notify the user of cost saving options and allow the user to obtain those options; contests and incentive award programs to promote credit card use, the electronic payment of credit card bills, and the sale of products and services of others ]