chook - i think the $36K gets reserved against available credit....

chook - i think the $36K gets reserved against available credit. The merchant would have to agree each month for 36 times at the counter. using your model

Astral has a great point - shoppers that spend a lot can use freed up credit made available when a payment is made against the card - and they can use multiple credit cards in the process and get rewarded by accumulating frequent flyer points. It is a patent design that needs to be marketed.