On completion of the tutorial, you will be able to:

• Recognize the revenue drivers
• Describe how credit cards are approved
• Identify the different operations undertaken by credit card issuers
• List the various user types and their behaviors
• Describe how credit card issuers market cards to different users
• List some of the important regulations around credit cards

Tutorial Overview With cash and check usage being replaced more and more by electronic formats, such as credit cards, the number of credit card issuers continues to rise. It can be a very profitable market - although potentially risky with many banks organizing their credit card business as a standalone profit centre. In this tutorial, we discuss the revenues streams from credit cards, and how they are designed and marketed to different user groups. Prerequisite Knowledge Payments Cards Tutorial Level: Introductory Tutorial Duration: 45 minutes