Versatile portfolio

management strategies

& account programs

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

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