1. A method of providing and activating a credit card to a consumer, the method comprising the steps of: a. providing a plurality of inactive credit cards to the consumer; b. upon the consumer selecting one credit card from the plurality of inactive credit cards, receiving an authorization request comprising consumer identification information and financial account information; c. verifying an identification of the consumer; d. verifying a financial account belonging to the consumer; e. determining a credit worthiness of the consumer; and f. delivering credit terms and conditions to the consumer.