Hey guys. I need advice. I am working on an Insurance based line of credit. It will be in the form of a Credit Card with a low APR rate that will enable customers to access up to 95% of the cash value of their life insurance policy. Right now, I want to understand how We can achieve this credit card with VISA. From what I know, we will need a banking partner. FDIC member. But I would like someone who has gone through the process and actually gotten either credit cards or debit cards issued.