The present invention provides methods, systems and transaction cards or identification systems, using transaction network comprising proprietary card network, EFT, ACH, or ATM, for
end user management of a global financial account by manual or automatic prepaying, prepaying, paying or unpaying, debiting or crediting, or readjustment or presetting, using parameters relating to portions of paid or unpaid financial transactions or account balance amounts in multiple credit, cash or other existing, or
end user created, financial accounts or sub-accounts in said global financial account that is optionally subject to financial account issuer transaction or readjustment fees from end users and merchants, including optional use for financial transactions as a credit transaction card requiring merchant
credit card interchange or other fees, and optional
end user fees, as additional revenue to the global account issuer.