If you are one of the roughly 31,000 members of the $1.7 billion Grow Financial Federal Credit Union who is a few days late paying your credit card payment, expect a call from Donna Svehla's department.

Svehla is the senior vice president for loss prevention at the Tampa, Fla.-based Grow Financial FCU and oversees a collections program.

The credit union views collections as an instrumental part of building and maintaining member relationships and also believes in calling early and often when payments start coming in late, Svehla said.

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