Readi-Review Plus^®

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Credit Card Portfolio Management for Financial Institutions

Readi-Review Plus is an account tool that performs credit card portfolio management to help banks and credit unions increase revenue, reduce losses and save time. Readi-Review Plus evaluates your cardholder’s financial history and builds a risk assessment score to help you evaluate and predict future financial patterns of your cardholders. Based on the history of cardholder, you can identify opportunities for card upgrade, credit limit increases and other cross-selling opportunities while reducing risk and charge-off by detecting issues early.

Your institution has the option to run a Full Portfolio Review which is a periodic review of entire card portfolio or utilize a Reissue Review which is a monthly monitoring of accounts that are scheduled to be reissued during the next three months.

Benefits of Readi-Review Plus for credit card portfolio management:

• Offers detailed reports on cardholder financial history immediately available for your analyst to utilize.
• Helps you make sound decisions about credit limits, interest rates, card renewal and upgrades.
• Maximizes your ability to respond to patterns and trends (positive and negative).
• Saves time spent manually reviewing accounts.
• Reduces charge-off losses before they occur.
• Evaluates future risk so you can monitor accounts more closely.

With Readi-Review Plus credit card portfolio management, you have the financial behaviors of your cardholders available at your fingertips so you can maximize decisions and capitalize on new opportunities as well as respond to negative patterns before they impact your portfolio.