This invention called Sciac™ is a method and
system for operating a new financial instrument and
payment card, which integrates savings and credit transactions belonging to the same
payment plan into a single account, which can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing the
payment conditions of each savings and credit. The Sciac card as a financial instrument can be used to carry out long, medium and short-term savings and credit financial transactions and simultaneously as a
payment card to buy and sell any kind of value. The Sciac card is operated through financial institutions and service centers by a computer
system, which manages transactions between Sciac cardholders themselves and with financial institutions, maintains account balances, determines installments for debt and savings balances, manages available credit limits and guarantees, and manages other financial and payment services.