PTC dominates the Earnings Enhancement Advisory market for Credit Card and Retail Credit. PTC has developed Value Creation Strategies™ that have created hundreds of millions of dollars for institutions around the globe, ranging from the largest institutions to the smallest issuers. In doing so, PTC has amassed a database in Credit Card alone of over 150 million accounts.

During a Credit Card revenue engagement, PTC analysts will conduct product line analyses and evaluations, perform reviews of revenue generating routines and practices and execute a profitability audit of systems to identify areas of potential profitability.  These reviews include activities related to timing, calculation and assessment of fees and interest, balance accumulation methods, exception items processing, and other similar activities designed to maximize revenue. PTC will identify, recommend and assist the Client in optimizing system settings and implementing strategies that will increase revenue and net income. Revenue increases to our clients in excess of $3 to $5 per active card account are not uncommon.

To download an overview of our Credit Card engagement, click below.