What We Do

Portfolio Management

Data Driven Decisioning

Our proprietary, market-proven scorecards drive payment profitability. Capital’s team of analysts and data scientists develop and model scorecards by evaluating customer, payment and portfolio performance data. Combining computer science, statistics, and technology — along with sound business sense—they ensure precise, consistent segmentation and forecasting.

Marketing

Powerful and profitable acquisition strategies are born from the dynamic partnership between our marketing team and data scientists. We produce engaging print and digital consumer messaging and collateral reaching our consumers across the United States.

Financial Modeling

Finance

Our Financial team utilizes forecasting and budgeting tools to develop information used to manage client card portfolios.

Profitability & Performance

Using innovative technology, we have originated and crafted ViPR℠, our Vintage Profitability Reporting system. We provide unmatched visibility into account-level profitability to make data-driven decisions.

Managed Services

Customer Experience

Capital’s ‘customer-first’ team delivers exceptional care and support with the following services:

- Live agent calls

- Interactive Voice Response (IVR) systems

- Billing disputes

- Online account management

- Account collections

- Account & settlement

Fraud Services

We offer a full range of fraud services, from high-level strategies to transaction fraud detection.

Technology

We continually invest in technology that makes all of our services more secure, more efficient and more cost-effective.

Processing & Security

We process transactions on industry-leading systems to help keeps cardholders' information safe and highly secure.

Compliance Services

Regulatory Landscape

Our Compliance department monitors the regulatory environment at federal and state levels, working with regulators and legal counsel, to help ensure that all managed payment products are compliant. Proudly PCI certified.