Systems and methods for processing credit card transactions including an account with a multi-dimensional balance structure, wherein balance segments within the balance structure have individually-definable terms and conditions. A system receives incoming transaction data by way of a conventional transaction system. A transaction processor within the system uses predetermined balance rules to determine an appropriate balance segment within an associated masterfile, which stores data. The multi-dimensional balance structure allows financial institutions to provide customers with special promotions for transactions meeting predetermined requirements, such as transactions with particular merchants, Internet purchases, and automobile-related purchases.