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Credit Cards

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Add considerable value to your credit union by managing risk and building profitability with turnkey solutions. Inherent in FIS's innovative, strategic and cost-effective solutions is the flexibility to adapt to any environment. Through extensive research and development, FIS focuses on achieving maximum efficiency at competitive cost while keeping you at the forefront of technology. 

FIS offers you solutions for every phase of the relationships you have with your members. From penetration to activation to usage to retention, FIS has you covered. Utilizing powerful payments processing technologies, FIS offers the industry's most complete range of options. With comprehensive tools at your fingertips, you can build greater success through your consumer, commercial and business cardholders.

PROCESSING

Our transaction processing solutions are fully integrated, providing a single point of authorization, transaction posting, settlement, reporting and access for all services. We support both Visa® and MasterCard®. 

SECURITY AND FRAUD PROTECTION

Your members expect you to provide security. That's why we offer the most advanced tools and resources to help protect your cardholders and your card programs. Our comprehensive and growing suite of products and services position you to attack fraud. 

LOYALTY SERVICES

Your cardholders are looking for much more than just a credit line—they want perks. When it comes to higher activation rates, increased outstanding balances and greater cardholder loyalty and retention, nothing compares to our loyalty programs. 

MULTI-SOLUTION PROVIDER

We offer both outsourced and pass-through card processing alternatives. Our outsourced alternative offers options including a full-service program, providing all phone and written cardholder services; a self-administered program, in which you service your cardholders; or an unbundled format offering you the choice of outsourcing many day-to-day operational tasks. With the pass-through program, we offer a number of optional services, along with processing credit union transactions. You decide what suits your strategy, and we can support it. 

ISSUANCE

Your credit card plastics are with outstanding levels of quality, service and pricing. Certified, state-of-the-art production and mailing facilities are streamlined for fast, efficient turnaround. We personalize and fulfill both inventory and custom designed plastics in a completely secure environment. Our inventory of plastics requires no pre-purchase or inventory management on your part. Our plastics production volume works in your favor, with competitive pricing and faster turnaround times, and we handle Visa® and MasterCard® approval for card design specifications on your behalf. 

SUPPORT

With FIS standing behind every transaction, card-mailing authorization and account service call, you and your cardholders can count on our commitment to meet your needs. We pay close attention to satisfaction, accuracy, speed and details at all levels. No matter which level of personal cardholder service is chosen, each interaction is held to our highest standards. 

ELECTRONIC REPORTS

Our eReports provide the information you need—all from the convenience of your computer. eReports contain built-in security features, are more cost-effective than paper reports and save storage space. Our companion program, eArchives, provides a monthly backup of eReport files. 

DATA WAREHOUSE

Having sufficient and accurate information is critical to making successful strategic decisions. Your senior management will have both using our data analytics solutions. This strategic tool assists with key decisions by providing portfolio profitability analysis, financial review and reporting, product performance analysis and risk management change analysis. 

ACCOUNTS RECEIVABLE

The Collection System (TCS) provides powerful tools to ensure the efficiency and productivity of your collection efforts. Regardless of account type, the system is designed to deliver the options and functional flexibility you need to accomplish the ultimate goal: repayment. 

Complete Payment Recovery Services, Inc. (CPRS) is a debt collection company wholly owned by FIS. CPRS helps businesses recover the funds owed to them by utilizing collaborative management platforms, proven strategies and agents thoroughly trained in governance, regulatory compliance, and customer service. As industry veterans (50+ years) CPRS is licensed and letter compliant in all 50 states and can collect any debt type as first or third party, consumer or business. 

BUSINESS AND COMMERCIAL CARD SOLUTIONS

Capitalize on this growing opportunity with your business cardholders. Typically business and commercial cardholders demand more effective ways of tracking, managing and controlling expenses. We offer a wide range of solutions to fulfill their needs. 


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60% of all credit unions now offer a credit card. A solid credit card program is essential for a credit union to remain competitive. The problem for many is the initial cost of providing a card program to their members.

The newly redesigned EZ Launch is an easy and profitable way for your credit union to further serve your members and improve your bottom line.

Have your members count on your credit union for Visa® cards that meet their financial goals and lifestyle. They will enjoy the convenience of using LSC's cards anywhere Visa is accepted — worldwide and online. LSC Visa cards are safer than carrying cash because they are covered by Fraud Protection. Want to make your members' shopping even more rewarding? LSC provides your members the option to choose the Visa card that gives points with every purchase toward merchandise or travel awards.

Contact us today and have your credit union provide great rates, exceptional benefits and personal service your members expect from your credit union. 

Benefits LSC Offers Your Members

 

Great Rates Save Money

Your members will enjoy low rates, generous credit lines and no balance transfer fees. Currently, our Visa cards offer competitive variable rates ranging from 9.90% to 18.90% APR.
 

 

Manage Your Account Online

Members can manage their cards online, 24/7, to view your balance, check available credit, see statements, and receive email or text alerts. Our encrypted site provides security.
 

 

24/7 Fraud Protection

Visa 24/7 Fraud Protection monitors card and alerts you about questionable transactions. With Zero Liability to members and your credit union, no one is liable for unauthorized purchases.
 

 

Earn Exciting Rewards

Our Elite Platinum Visa card offers rewards, powered by ScoreCard®, to earn points on every purchase. It can be use toward top-brand merchandise and travel options.

 

25-Day Grace Period

People want the most time to pay for new purchases without paying interest. With our Visa cards, your members will enjoy a 25-day interest-free grace period on purchases.

 

Free Travel Accident Insurance

Travel with confidence because your members will receive free accident insurance coverage* for themselves and their family when they pay for travel tickets with our Visa card.

*Certain restrictions, limitations, and exclusions apply and benefit configuration may vary. Please refer to your Guide to Benefits or contact your issuer for full program terms and conditions, and to confirm specific coverage levels.

For more information, contact our EFT Department.

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