Successfully promoting and growing a card program requires a multi-faceted approach: new accounts, existing accounts, and inactive account all need your attention. This session will offer segmentation and marketing approaches that work at a credit union scale, and will include specific marketing campaign examples of what works (and what doesn't).

In the battle to maintain relevance to your members, credit unions need to continually reassess the value provided by their credit card products. "Lowest Rate" is rarely enough (or even best). Understanding different member needs, segmenting your product set accordingly and targeting the value propositions carefully a credit union can increase penetration, grow its program, best serve individual members in individual ways, and protect your overall relationships.

Risk management for credit cards has never been more challenging. Our largest competitors have moved well beyond credit scores for their decisions, ongoing risk-management techniques become ever more sophisticated and bad decisions can haunt your credit union for years to come. This session will offer insights into developing trends as well as providing specific employable techniques for improving your risk management approaches

Every credit card program exists within a challenging competitive environment and overall economy. This first session will set the stage for the year, providing background on what the largest issuers are doing, what economic forces are in play, and what challenges are most important to credit union card issuers. As always, we look to identifying our advantages and ensuring we know how to make the most of them for our credit unions and our members.

With so many variables in play it can be very difficult to forecast and budget for your credit card program. This session will provide up-to-date information on market performance expectations for the coming year as well as suggested planning structures and expectations for any credit union that takes its card program seriously.

Understanding and managing credit card program expenses is critical to success. But this is also an area where many credit unions struggle for useful and actionable information. This session will provide critical information about how to think about and analyze program expenses including: functional area cost benchmarks, expense measurement and management structures, and how to balance new account marketing costs against overall program performance.

Everyone knows that credit unions have advantages envied by many large banks. Many of these advantages have to do with member stability, information and affinity. This session will offer insights into how a credit union can use best-in-class information, both external and internal, to make the most of its credit card program.

This session provides an update on the overall credit card market and the performance of credit unions against that market. Tim Kolk and Alix Patterson explore the performance of large-bank competitors specifically as it relates to credit union's competing for their members' credit card business.

This session will educate attendees on how to successfully manage a rewards program for their card holders, including rollout and redesign planning considerations, ongoing portfolio management, expense control and vendor analysis considerations.

To keep your card program healthy, an understanding of current profitability levels and long-term pressures is critical. This session provides the tools, models, and techniques valuable to all credit unions that either currently issue credit cards or are considering doing so.

In a post-CARD Act environment, all credit union credit card issuers need to understand their card program’s performance. With as many as one in five programs losing money, the need for action has never been more urgent.