Providing credit card services to financial institutions, namely, services designed to assist financial institutions in deciding whether to extend credit, risk management services, services designed to ensure the proper handling of charge backs, collections and recovery of both delinquent and charged-off accounts, and cardholder requests for additional or replacement cards, PINs and changes of name, address or phone number, account maintenance services and customer related services, namely, responding to cardholder inquiries regarding; balance, available credit, account status, authorizations, payments or credit line; processing cardholder disputes; providing interactive voice response unit; providing telephone access to trained customer service representatives; providing additional copies of cardholder statements; processing emergency line increase requests; and providing financial portfolio management services

[ Alternative dispute resolution services ]