According to one embodiment, the present invention relates to a method and a system for offering a consumer an opportunity to purchase one or more targeted products and/or services with a pre-approved credit instrument where the selection of one or more products is based on consumer related profile information, which may include previous spending habits, previous transactions and/or other information. Some or all aspects of an offer for the targeted product or service, which may include product type, offer delivery, pricing and payment terms, may be determined by various factors, such as the consumer's credit-worthiness, profile information and/or other information.