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. It just needs a talk. We're a non-threatening, consultative, member engagement retention model with a soft approach. We never threaten legal issues. We're against arguments!" states CEO Raj Chhabria. With a refreshing difference in an industry that (may) not always have the best reputation, Raj's unique leadership and philosophy continue to make First Credit a leader in their field.