1. A computer implemented method of adjusting a credit facility available to a customer having an account or prepaid card and an existing line of credit, comprising the steps of: forming a computerized estimate of a tax refund available from a tax return of the customer; determining in the computer a portion of the computerized estimate of the tax refund available as borrowing capacity for the customer account; and adjusting in the computer the credit facility based on the expected tax refund determined to be available.