First Credit is a leading company in the Accounts Receivable space with an impressive, 25 year history. They work with over 4,000 clubs and have integrations with all the main point of sale providers. "This is usually only a $100-$200 bill. We're a non-threatening, consultative, member engagement retention model with a soft approach, " states CEO Raj Chhabria. Raj's unique leadership and philosophy continue to make First Credit a leader in their field.