Our Approach

We blend proven practices with innovation.

Our credit programs are marketing programs, created and managed in partnership with our clients to most effectively drive sales. Each program is different, each partnership unique. But, we focus on these key program tenets, across all of our relationships:

We lead with customer insights.

We have a dedicated in-house team of award-winning statisticians and data analysts that help us understand past program results, and more importantly, increase the effectiveness of current and future marketing activities. Branded card programs are an invaluable way to collect customer data. But data alone won’t drive sales; we add value through analysis, understanding and experience.

We deliver with leading marketing tools and practices.

We deploy a tested lifecycle marketing cadence to ensure that your marketing resources are focused on building deeper, more profitable customer relationships. We use branded, multi-channel marketing communications tools including, permission-based email, mobile messaging and direct mail among others.

We execute with world-class operations.

With our retail background, we understand that every customer touch point is an opportunity to generate or reinforce a sale. While we emphasize program strategy, we are maniacal about the program details. As an example, since 2003, Purdue University’s Benchmark Portal has ranked all of our customer care centers in the top 10% of that ranking, earning “best in class” designation.

We manage to a shared plan.

Our strongest, most successful programs are delivered in partnership with clients that have a shared vision and mutual commitment to the credit program. Together with our clients, we develop a strategic plan and joint responsibilities, and measure our success against agreed-upon metrics.