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The bankcard industry is facing both the new government restrictions of the CARD Act and the ongoing volatility of the economy. Despite these challenges, good customers still exist, and issuers need to proactively identify and treat them appropriately for growth, loyalty and profitability.
Client: A Leading US Bankcard Issuer*
Challenge: Identifying good customers for positive account management actions without adversely affecting risk levels
Analysis: Determine if adopting the FICO 8 Score allows lender to better classify customers based on risk for more appropriate treatment
Portfolio: Prime bankcard portfolio, focusing on balance builders
Results: Incremental profits of $12 million in accounts identified for positive action with the FICO 8 Score