Turn Down
Programs
We build credit card programs that help clients accept applicants who would otherwise be declined. Our turn down programs run in parallel to clients’ existing card programs and help them say “Yes” to more customers, increase engagement, and grow income.
Trusted by
Don’t let thin files and lower credit scores get in the way of building a new customer relationship
Most credit unions and community banks struggle to accept credit card applicants with lower scores and thin files. But when they decline an application, they miss an opportunity to serve and strengthen that customer relationship and lose that business to another lender.
We build turn down credit card programs that help our clients say “Yes” to higher-risk and thin-file applicants. These programs run in parallel to clients' established credit card products and deliver product options to applicants who would otherwise be declined. The programs are branded end-to-end for the client. We manage all aspects of the program and assume the full credit risk while sharing revenue, data, and insights with the client.
We work closely with clients to design a program that addresses gaps in their offering and reduces their decline rate.
We leverage technology to coordinate a seamless, branded digital experience for applicants.
We keep customers engaged on the client’s behalf and graduate them to the client’s credit card program as their credit score improves.
We generate new data, insights, and leads from customers that would otherwise be lost, sharing these with the client.
We augment clients’ suite of products and marketing strategies to expand their addressable market
Expanded
Offering
We launch branded products with dozens of pricing strategies so that you always have a product that fits an applicant’s needs.
Demographic
Reach
We deploy marketing campaigns targeting previously out-of-reach demographics, especially younger consumers. We deploy those strategies through new and existing channels and bring those customers into your ecosystem.
Data
Insights
Utilizing our machine learning models, we capture, analyze and share data insights from your program so you can better understand new customer demographics and their needs.
Recurring
Profitability
We increase your bottom line, uncover cross-selling opportunities, and generate attractive, diversified lending opportunities without increasing your overhead.
Discover the outstanding benefits that make our customized credit cards the ideal choice for your financial journey.
Customized Rewards
A mix of traditional rewards and unique perks that get cardholders excited.
Modern
UX
Products become mobile-first and automated to streamline the customer experience.
Attractive Rates
We deliver attractive rates to your customers regardless of their credit score.
Virtual
Cards
We offer instant provisioning into digital wallets to increase card utilization.
Lower
Fees
We don’t believe in hidden fees. We keep things simple and affordable for your customers.
Excellent Support
Customers can reach an agent quickly, 24/7/365.
Explore other services
Agent Bank
Programs
We build branded credit card programs from scratch that help our clients provide next-generation credit cards that excite their customers.
Financing
Lines
We help clients extend asset-backed loans that generate an attractive risk-adjusted return and perform well in all rate and economic environments.
Portfolio Acquisitions
We acquire credit card portfolios from clients and work with them to optimize and grow their portfolio, enhancing the product, technology, customer engagement, and income.