What are my opportunities with Family and Friends Financial?
The FREE Family and Friends Financial income opportunity allows you the ability to participate in a credit card marketing income opportunity. You can become a Family and Friends Financial representative for FREE, enabling you to introduce several credit cards to your friends and family and earn compensation based on Family and Friends' compensation model. This is called direct marketing. Also, you have the opportunity to promote the FREE Family and Friends income opportunity to anyone interested in building a second or residual income*. By recruiting others, you may increase your income beyond your individual marketing efforts, and you can build your own team of representatives, allowing you to earn compensation from their efforts. This is called network marketing.

*subject to our background check requirements

How do Family and Friends representatives earn compensation?
It's simple! You tell your friends and family about the Family and Friends recommended credit card products using your approved representative website, they apply on line via a secure application site, and if they are approved, you have the opportunity to earn compensation based on qualifying approvals. It is important to note that the financial institution issuing the credit cards for this program does not share any specific personal, confidential, financial, or customer account information with Family and Friends Financial or its independent representatives.

What is the benefit of recruiting representatives into Family and Friends?
When you recruit new representatives, they become part of your network. You earn compensation based on the success of their marketing efforts.

I want to know more about the direct selling methodology.
Family and Friends Financial is a legally structured direct marketing company. This means we market our recommended credit card products through a team of independent representatives. Independent representatives build their own team of representatives - or network - and earn compensation from their efforts. There is no compensation for recruiting new representatives and there are no product inventories you must purchase. Family and Friends Financial is a member of the Direct Selling Association and, as such, adheres to the DSA code of ethics. You can read more about this at www.dsa.org.

Why is the FREE Family and Friends Financial income opportunity so special and different?
We realize there are a lot of professional, quality multi-level marketing companies all over the country. However, Family and Friends Financial believes we have set a standard of excellence in the industry. Our founder views Family and Friends Financial as a chance for individuals to earn a supplemental income without having to invest significant dollars up front. Through empowerment and education, we strive to create loyal representatives of our company as we continue to expand our services today and in the future. An overriding principal of our organization is integrity and we demand it from our employees, representatives, vendor partners, and everyone with whom we do business.

We are also different in other ways. We require all representatives to pass a criminal background check prior to becoming a representative and earning compensation. We also require representatives to pass an initial test to ensure they know the products, understand government compliance laws, and respect the privacy of consumers. Finally, there is no merchandise inventory required and our representatives do not actually "sell" a product. There is no exchange of money between our representatives and a consumer for the credit card. Through our program, consumers have the opportunity to apply for one of several credit cards. Visit the 'Apply for a Card' section of our website to learn more about the credit card products.