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Areas of Proficiency

ATMs – Sponsorship and Agent Bank Labeling
There are an estimated 400,000 ATM in the United States, only about 20% are owned, cash loaded and operated by financial institutions. Since 2004, a considerable amount of time, effort and money has been spent on issues revolving around ATM Risk, more than in the entire 30-year history of the ATM.
This includes:
  • ATM encryption upgrades to Triple Data Encryption Standard (T-DES)
  • Testing, certification and replaced of Encrypting PIN PADS (ATM EPP’s)
  • The documentation and due diligence of actual owners of ATM and      ATM Cash, the ATM Operator/Owner Agreements mandated by ATM Networks and the “know your customer” mandates of the Patriot Act

The industry will continue to evolve into one operating under more control of the network member, and agent banks sponsored by network member. Creative Card Solutions can provide the road map to work through the changes that continue to occur.

 Prepaid, Stored Value and Debit Cards

In 2007, debit transactions exceeded credit transactions with over 14 billion Prepaid cards issued, representing more than $700 billion dollars. This is not a passing trend; it is an evolutionary way of how money (cash and checks) is more expediently changing hands.

It is about replacing a 100 year old system that moves a piece of paper 8,000 miles in 5 days, to a innovative system that moves the same transaction in less than a second, but more than that, the amount is preauthorized and held for settlement.

However, having the idea is very different from implementing it. Creative Card Solutions not only provides the knowledge and experience that is the key to a successful program, but can also assist with the sponsorship and processing that is imperative to any card issuance.

Credit Cards

Creative Card Solutions provides bank-consulting expertise to implement Credit Card balance transfer programs to include:
  • Marketing Materials – Solicitations, applications, disclosures
  • Card Production
  • Processor Product Control Files and Implementation
  • Service Provider Settings and Controls
  • Program materials (cardholder letters, notices, statements)

Assistance with on-going management of a program after implementation including a contract employee that will work exclusively with the bank to manage operationally any day-to-day aspects of the program, to include;

  • Daily settlement
  • Reconciliation of accounts,
  • Reports,
  • Other Account Services as requested by the BANK.

Creative Card Solutions
Marilyn Kilcrease
 mkilcrease@earthlink.net 

(951) 302-3342
(951) 515-0012 mobile
(215) 895-9510 fax

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