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3 Common Pitfalls of Credit Card Management

Awareness and ownership, risk vs. reward and know thy members. All this can pay off in the card portfolio, these experts say.

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Despite widespread recognition of their importance to an overall loan portfolio, credit card portfolios remain far too mysterious to far too many credit unions, say consultants who work with credit unions on credit card management. 

Too few credit unions have a grasp on such basic concepts as what makes their card portfolio profitable, how to adequately but not excessively account for risk, how to plan for and set credit lines, and how to best understand and plan for fraud losses, these cards experts say.

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