Value Proposition
Research continues to show that members who are active credit card users utilize more credit union services, maintain higher deposit and loan balances and generate more income than members without credit. But, all credit card programs are not created equally. To truly advance the revenue potential of your credit union’s credit card portfolio, you need a powerful platform that satisfies member demands, promotes usage and rewards cardholders for activity and loyalty.
Corporate One’s credit card solution 
, powered by PSCU Financial Services, provides credit unions an easy-entry credit card program that maximizes revenue and member satisfaction while minimizing the amount of work it takes to manage more complex programs. Our program is turnkey, yet robust enough to wow your members with premier credit card features and benefits.
Benefits
- Competitive pricing thanks to the power of aggregated volumes
- Ability to grow revenue by attracting new members, deepening relationships with existing members and gaining competitive edge in marketplace
- Reduced fraud thanks to state-of-the-art fraud mitigation features
- Return of all interchange fees back to your credit union
- Comprehensive marketing support — from consultation to tailored campaigns designed to increase activation and usage
- Credit union owned and operated
Features
- A dynamic rewards program (joint rewards available for both debit and credit)
- State-of-the-art fraud mitigation services
- Award-winning 24/7/365 contact center support for cardholders
- Strategic counseling to help our members grow their card programs
- Standard offering MasterCard/Visa Platinum cards that reward your members for financial responsibility, recognize loyalty and produce a strong return on investment
- Customizable digital plastics will save your credit union money. You can customize and segment your member base through custom images without having to maintain a stock of pre-printed cards
- Simple, one-step balance consolidation for your members that need to transfer higher interest rate balances to your card
- Online account access for both your credit union employees and your members for ease of account management
- No hassle e-statements and reports that are compliant with the latest industry rules and regulations
- Transaction level pricing (TLP) is a marketing tool used to systematically separate specific transactions from normal processing for special handling. With TLP, the credit union can create customized offers in which transactions of your choice qualify for designated promotional rate – this could even be 0%- for a specific period of time or for the life of the promotional balance
- Account level processing allows you to execute pricing strategies that are based on the cardholder’s credit score, credit bureau score and delinquency and over limit history. Accounts can be automatically evaluated and re-priced according to a schedule determined by each individual credit union:
- Reward loyalty and recruit new accounts with flexible, dynamic pricing
- Account Level Processing evaluates cardholder account characteristics and behavior and automatically adjusts pricing at the account level
- Eliminate manual reviews and account changes with this powerful account management tool
- Improve member service by quickly responding to changes in card usage
- Built-in disaster recovery processes/ business continuity