Portfolio Management  
Marketing Services  
Credit Services  
Cardholder Services  
Asset Quality Management  
Delivery Systems  

Portfolio Management
We can speed up your move into the credit card market or help improve the profitability of your current card portfolio with the assistance of our Portfolio Management services. The additional support received from our involvement with our clients' card programs together with our strong affiliation with our banking group, provides the discipline and financial strength many of our partners appreciate.

• Business Intelligence Solutions
  CAPITAL can create and deploy credit scorecards to assist issuers in improving the selection of applicant prospects during the account acquisition process. With the use of CAPScore, CAPITAL’s proprietary scorecard, we help clients achieve account profitability within their defined window of market opportunity. By using our business intelligence tools from SAS® like Enterprise Miner™, we extract business knowledge from vast stores of data. This allows us to customize business solutions for our clients that have a direct impact to their objectives - whether that’s reducing attrition, improving acquisition costs or lowering delinquencies and charge-offs.
• Decision Modeling
  Traditional GAAP financials of active card portfolios are cluttered by the constant activity of marketing, account booking, closures and charge-offs in addition to shifts in the market and the economy. ViPR^SM, CAPITAL's proprietary Vintage Profitability model, helps bring clarity to this matter. ViPR^SM can compile and analyze user-defined groupings of accounts to understand product profitability and assess the lifetime value of the asset. This powerful reporting tool allows clients to visualize with clarity what products are working and which ones are not. This information is helpful in determining asset concentration strategies, evaluating prices when buying or selling a portfolio, and acquisition cost thresholds.
• Risk Assessment
  CAPITAL assists in the ongoing evaluation of your card portfolio and its related trends to help assess areas of risk. We can recommend modifications to criteria for underwriting, authorizations, collection strategies, loss avoidance controls, reserve computations, and enhanced management information reporting to improve the overall financial performance of the portfolio.
• Accounting Services
  CAPITAL provides a full complement of daily accounting services. We provide accounting support to prepare our clients' daily settlement journal entries to be posted to their general ledgers, which includes all bankcard related entries as well as revenue, expense and suspense items. We provide reconciliation support for general ledger accounts and work closely with our clients to resolve open settlement related issues.
• Auditing and Compliance
  Understanding all of the regulations placed on issuers can be an overwhelming task, especially in this changing regulatory environment. 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 segment. In addition, we provide our clients with our assessment of contractual service obligations and performance standards as well as quarterly reporting.