Every year, credit card companies invest millions of dollars in their quest to attract new customers.  They offer attractive loyalty propositions to make customers not only activate their cards, but also to entice them to continue to use them.  Often!

Unfortunately, roughly 50% of those customers never activate their accounts.  To compound matters, a significant portion of customers who do activate, behave in an irresponsible manner.

Such trends propose big questions:

• “How can we activate more accounts?”
• “How do we manage the early activators who roll quickly into delinquency?”
• “How do we optimize these two apparently diverging forces?”

It is possible to answer these questions, but you need to understand your customers in order to understand the decisions they make. Who has opened an account? What kinds of offers did they receive?  How have they used their cards? Are they making their payments on time? We can help you answer these questions.

Our team has more than 75 years of combined experience in dealing with activation solutions for major credit card issuers. We are familiar with building Activation Solutions. It involves proficiency in creating statistical targeting models and segmentation schemes, detailed cash flow models, and expertise in running simulations and optimization techniques. We understand the data that is needed, the design that will be most successful, and the process that needs to be followed so that this can become on ongoing best practice for the client organization.