This database consists of active consumers who are underbanked. This term refers to individuals who have poor access to mainstream financial and credit services offered by banks. These individuals often utilize non-traditional financial services such as check-cashing stores and payday lenders. They have a strong reliance on using cash for their intended transactions and often purchase money orders.   These consumers lack of means for obtaining traditional checking accounts and credit cards is not always attributed to a lack of resources. Often language impediments and cultural obstacles block their path to accessing these services. Most are eager to take advantage of the right credit offer.   This group represents an excellent audience for financial institutions offering secured credit cards and subprime offers. In addition they are candidates for payday loans, low cost insurance, and much more.     Monthly Hotlines Available - Be the first to deliver your message!!