They have relatively high disposable income and are of extremely good credit standing, that they have managed to get at least three major international credit cards. The entries into this database do not come from credit card companies, which normally do not openly release their card membership database. The names in this database come from mail order fulfillment houses who receive responses to promotions that offer books, subscriptions, club memberships, fashion items, seminar registration, etc., and whose order processing systems keep track of the modes of payment used by the responders. As soon as each responder's purchase history shows that he or she has used at least three different cards during the last 18 months, his or her name gets into this database.