purchaser 105 information may be accessed at 140 if for example the purchaser wishes to pay for the purchase card with a credit card the purchaser 39 s credit card account information may be accessed for example the purchaser 39 s available credit limit may be accessed at 145 to verify that sufficient credit is available to cover the spending amount of the purchase card if the available credit is insufficient the purchaser 105 may be so informed at 150 the purchaser 105 may be given the opportunity to modify the purchase card spending amount at 155 in order to ensure that the purchase amount does not exceed the available credit the process may terminate at 160 if for example the purchaser 105 does not wish to modify the purchase amount after it has been determined that the purchaser 39 s available credit is sufficient a transaction may be posted to the purchaser 39 s credit card for the amount of the purchase at 170 in another embodiment of the present invention a purchaser may use a check cash or other financial methods to obtain a purchase card regardless of the purchasing method the issuer of the purchase card must determine whether the purchaser has sufficient funds to purchase the card when the purchase card is paid for by credit or bank account the purchaser 39 s account balance is updated at 175 to reflect the purchase the account.