In 1997 NextCard made history by launching The First True Internet VISA.  With the new NextCard My VISA they’re offering a personalized credit card, letting you “build your VISA online”, customizing your card with upgrades, valuable rewards and even your favorite photo.

Some of the innovative features available on the NextCard My VISA include:

**MY UPGRADES! Cardholders can select the upgrade that best meets their needs and lifestyles.  Based on each applicant’s unique credit profile, upgrades can range from a low interest rate (2.9% intro rate or 9.9% fixed) to a higher credit line.

**MY REWARDS!  Cardholders can choose to earn up to Double Rewards for every dollar they spend online or offline with a NextCard.  Rewards can be redeemed based on the cardholder’s personal interests at more than 50 merchants for free travel on any airline, books, music, movies, hotels, dining - you name it.

**MY PICTURE!  Cardholders can personalize their card by choosing from over 1,700 NextCard Gallery photos online, or by uploading a favorite digital image from their own computer.  Those without a digital picture can visit any local Kodak PhotoNet processor to have their photo developed or uploaded onto the Internet.  The high quality image will cover more than 80% of the card. In addition to the exciting custom advantages listed above, NextCard also offers these core features:

--Online credit approval in seconds
--Automated balance transfers for greater savings with   no transfer fees
--Intro rates as low as 2.9% and ongoing rates as   low as 9.9%    
--100% Safe Internet Shopping Guarantee
--Online account access with 24-hour customer service
--GoShopping! Online shopping guide and agent

Check out their Web site, www.nextcard.com, and click to apply.