Target Program/Card Segments PORTFOLIO MANAGEMENT:
"Save-Our Customer" Retention:
0%/Low Interest Rate - Balance Transfer Defense
Interest Charge Cost "Too High" Defense
Targeted Anti-Attrition:
0%/Low Interest Rate - Balance Transfer Defense
Interest Charge Cost "Too High" Defense
Pro-Active Based on Purchase and/or Balance Trigger
Targeted Reactivation (Renew Relationship):
Purchase Active but Revolve Inactive
Purchase and Revolve Inactive
Answer the Question - "What Happens After My 0% Program Expires?" Keeps Balances on the card:
Append to Existing Reward and 0% Programs
| |
Promotional Line of Credit:
Prime/Moderate Risk Customer Segment Specific Alternative to Home Equity Lines
Convenience Check or Future Purchase Monetary Trigger
Stimulate Retail Partner Store Sales
Repricing Strategies:
Motivate desirable behaviors (from problem and/or valuable customers)
Keep "Valuable Customers"
Reissue Strategies:
Motivate desirable behaviors (from problem and/or valuable customers)
Keep "Valuable Customers"
Collection Strategies:
Encourage Higher Payment Priority to Issuer
Use Payment Information For Predictive Risk Analytic Models
|