providing credit card services to financial institutions, namely, credit underwriting, risk management, customer services, namely, responding to cardholder inquiries regarding balance, available credit, account status, authorizations, payments or credit line; processing cardholder disputes; providing toll free interactive voice response unit; providing telephone access to trained customer service representatives; providing additional copies of cardholder statements; processing emergency line increase requests; and performing account maintenance and processing of cardholder requests for additional or replacement cards, PINs, and changes of name, address or phone numbers, collection services, and charge back services; financial portfolio management

alternative dispute resolution