Kapil ChhabraInvitational (Solicited) Credit line increaseAs we covered proactive and reactive line increase in past two articles, we now move to a cross sectional approach, where we invite…Aug 11Aug 11
Kapil ChhabraReactive (Customer initiated) credit line increase programs — Design and monitoringContinuing from our last article on proactive line increase, we now move to reactive or customer initiated credit line increase programs…Aug 6Aug 6
Kapil ChhabraDesigning and measuring effectiveness of Proactive(issuer) credit line increase programsOnce an issuer decides to set up proactive (issuer driven) line increase program there are various set of questions that needs to be…Jul 29Jul 29
Kapil ChhabraCredit limit decrease in cardsOne of the defensive mechanisms that issuers deploy to shield there portfolio of high risk exposure is credit line decrease programs. In…Jul 28Jul 28
Kapil ChhabraCustomer impact of over limit transactionsContinuing over our series of articles on Authorization strategies, lets now review the decision to allow customers to go over limit from a…Jul 10, 2023Jul 10, 2023
Kapil ChhabraMeasuring effectiveness of Authorization risk strategiesIn previous article, we covered how do we approach on making decisions for credit card authorizations. Then second part to it is how to…Jul 3, 20231Jul 3, 20231
Kapil ChhabraCard authorizations : A risk management approachThe most fundamental feature of any credit card is its ability to authorize transactions. It requires banks to set up a settlement…Jul 2, 2023Jul 2, 2023
Kapil ChhabraDigital acquisitions of credit cardsDigital is one of the biggest and most important acquisition channel for credit cards. There are a lot of components for digital from a…Dec 21, 2022Dec 21, 2022
Kapil ChhabraExisting card member risk management for credit cardsIn our earlier articles, we have covered all aspects of acquisitions. While the broader case studies related to actual use of data will be…Feb 27, 2022Feb 27, 2022
