Merging credit unions often have to contemplate combining credit card programs. Too often they tend to defer thinking this through until after the merger.

This can lead to performance problems in the combined program card program, including member dissatisfaction, impaired profitability and significant compliance risk. Making changes to a credit card program typically impacts about 20% of the members, including many of those with the highest value to the credit union. Getting it right is important.

A little planning before the merger is critical. A simple checklist can work wonders in getting a plan together: products, processing, and compliance. Granted, there are many pieces to each of these headline areas, but most all issues to be addressed can be assigned to one of these areas.

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