This comprehensive database consists of consumers who are near their max in terms of credit limit. They are defined as those currently utilizing 80% or more of their maximum bank card limit. Many of these consumers are experiencing financial difficulties and are relying more on overextended credit to address their outstanding debts.    These active consumers are an excellent audience for payday loans, debt consolidation, secured credit, subprime financial offers and more.    In addition to acting as marketing prospects, this group of consumers can be utilized for suppression filters by catalogers and other merchandisers.     Monthly Hotlines Available - Be the first to deliver your message!!