FREE GIFT & UP TO 4.9% APR VISA/MASTERCARD

18 Dec 2003

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                                LOW INTEREST CREDIT CARDS

If you have been denied a credit card OR you are paying more than 10%  APR on 
                   your credit card, you should take time to read this. 

              YOU COULD QUALIFY FOR A LOW INTEREST CREDIT CARD 
                    WITH NO ANNUAL FEES............AS LOW AS 4.9% APR 

Dear friend,

If you're currently using a high-interest MasterCard or Visa credit card, you could be 
paying an Annual Percentage Rate as much as 19.8%. By transferring the current 
balances from your high-interest rate MasterCard, Visa, Discover or Optima(sm) cards
 to your new low-rate credit card, you can begin saving money immediately. 
For example, *first year savings with a 5.9% APR credit card is : 
_____________________________________________                             

 If your average   And your current APR is....                       
   balance is....       15.9%             17.4%             19.8%  

                             you save        you save         you save
_____________________________________________                                      

  $2,000               $155               $185                $233    

  $3,000               $220               $265                $337   

  $5,000               $350               $425                $545                                                                                                
_____________________________________________                            				

* First year savings based on a constant balance with a 5.9% APR for six 
  months and a 12.9% APR for six months, plus a $25 annual fee savings.

We know that saving money is important to you. That's why the staff at 
Credit Business Systems works tirelessly to provide to you some of the 
best credit card values in the nation depending on your credit profile.               
The CREDIT CARD GUIDE contains all the necessary information 
for individuals who have been denied credit and cardholders who are 
paying more than 10% APR.

You can qualify for a credit card even if you have:   

   NO CREDIT HISTORY, PREVIOUS OR CURRENT CREDIT 
   PROBLEMS, A LOW INCOME, JUDGEMENTS AND LIENS, HAD A 
   DIVORCE OR EVEN IF YOU HAVE FILED FOR BANKRUPTCY.

For a small fraction of what you pay in high interest fees, you can order the 
guide and start saving immediately. Our guide is priced at $19.95. All that 
you will have to do is complete the application form below, and mail it with 
payment as indicated on the form.  We will mail the guide to you within 10 days.

WE GUARANTEE THAT UNLESS WE HELP YOU TO GET A LOW INTEREST 
CREDIT CARD, OUR APPLICATION FEE OF $19.95 WILL BE REFUNDED!

Mail the APPLICATION TODAY! 

                                         Ordering Information

The Guide Only Costs $19.95 + $4.00 for shipping and handling. Total $23.95
Want faster shipping? Add $10.00 more for RUSH processing.
Please make your check or money order payable to: 

CREDIT BUSINESS SYSTEMS

Here's How To Order: 1)  Personal checks 2)  Money Order 3)  Credit Card

                                                 Order Form
=======================================================

 PLEASE PRINT AND FILL OUT THE APPLICATION FORM BELOW: 

(circle one)  Money Order     Check      Credit Card ( VISA, M/C, Discover )           

NAME         __________________________________  

ADDRESS  __________________________________     

CITY ___________ STATE _______  ZIP __________

EMAIL ADDRESS_____________________  ANNUAL INCOME___________

CREDIT CARD(S) BALANCE _____________ OCCUPATION _____________

CREDIT CARD #_________________________ EXPIRE DATE___________

* CREDIT CARD ORDERS; TO EXPEDITE PROCESSING, FILL OUT ALL 
   INFORMATION, PRINT AND FAX TO;   (619) 683-9130

Guide Fee                    $19.95 
Shipping & Handling        4.00  
RUSH processing
Total                            $_____

Signature________________   Date____________

FIRST 50 ORDERS GET TO CHOOSE A FREE GIFT  (CIRCLE ONE)

1) WATCH           2) CREDIT CARD WALLET     3)    GOLD PLATED PEN

PLEASE MAKE CHECKS PAYABLE TO: CREDIT BUSINESS SYSTEMS

AND MAIL TO:    CREDIT BUSINESS SYSTEM
                            6161 El Cajon Blvd. #B-427
                            San Diego, CA 92115

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