Core Competencies
With CAPITAL, reaching your destination is closer than you think.We are well equipped with the knowledge, resources, and expertise to make your journey a successful one. Below, you will see how each department can help your company achieve its goals.

• Accounting
  CAPITAL provides a full complement of daily accounting and settlement services. We provide accounting support to help our clients prepare their daily settlement journal entries, which include all bankcard related entries as well as revenue, expense and suspense items.
• Collections
  Our Collections Department works to contact
  and collect past due payments and over limit
  amounts from cardholders.
• Compliance
  With CAPITAL’s assistance, our clients
  benefit from our in-house compliance staff
  that monitor various Visa® and MasterCard®
  association rules, as well as state and federal
  laws that impact the credit card industry.
• Credit Services
  Assessing creditworthiness is one of the most
  critical tasks performed within the lending
  process. We apply consistent, client-approved
  credit policies to ensure the credit-granting
  process maintains its integrity.
• Customer Service
  We strive to provide a high level of customer service
  to our clients' cardholders. We offer live agent, Internet, and telephone based support to assist cardholders.
• Financial Services
  With our proprietary profitability modeling tool, ViPR^SM, we are able to provide our clients with a clear financial picture of their portfolios' performance.
• Fraud Management
  At CAPITAL, we work to minimize and
  prevent potential losses from fraudulent or
  unauthorized activity. Through our Fraud
  Management controls, we work to prevent
  and recover losses due to invalid transactions.
• Marketing
  We are available to assist you with account acquisition,
  activation, stimulation, growth and
  retention of your cardholder portfolios.
• Risk Management
  We offer Risk Management services to assist
  our clients in gaining insight into the dynamics
  of their card business, and how those
  dynamics affect the overall performance of
  their program.
• Systems
  Our Systems Department comprises four
  specialized areas, each working to provide
  efficiency and security to our clients and their
  cardholders.