Similar to Canada and the UK, Argus was asked by some of its customers with businesses in both the US and Brazil to launch a Brazilian version of its successful and long-running US Credit Card Payments Study. The study, modelled after Argus’s US Consumer Card Study, provides unique insight into the Brazilian competitive environment.
Argus’s benchmarking data makes it possible to evaluate an issuer’s programs relative to customized benchmarks of similar programs. Issuers are able to compare their portfolios to peers on many dimensions across the customer lifecycle, including:
- The competitive positioning of new account pricing, line assignment, and promotional offer usage
- Ongoing line management strategies, including line assignment by risk score band, line increases and decreases, and utilization
- Strategies for balance generation, including the use of promotional rates among mature customers, spending generation, balance transfer and cash advance activity, and payment behavior
- Fee assessment practices, including the strictness of punitive fee assessment, average fee amounts, and waiver rates
- Risk management performance, including account- and asset-level roll rates, balance control ratios, payment behavior, and charge-off performance.