Regardless of whether your credit union outsources its creditcards, processes them in-house, or uses a hybrid self-administeredapproach, you are ultimately responsible for promoting thosecards.

The success of your credit card program, in other words, dependson how well you market it. This is especially challenging intoday's hyper-competitive environment, where new offers seem toarrive in member mailboxes almost daily. How, then, can youconvince members that your credit program is the way to go – andkeep them spending? Here are three tips.

1. Promote Balance Transfers