Card Management Essentials: Issuing, Billing & Lifecycle

[kingers]

Card Management Essentials: Issuing, Billing & Lifecycle
Published 5/2025
MP4 | Video: h264, 1920x1080 | Audio: AAC, 44.1 KHz
Language: English | Size: 776.03 MB | Duration: 1h 17m

Card issuing operations, billing cycles, credit limits and delinquency - for business analysts, testers, and IT teams

What you'll learn

Understand the complete lifecycle of card issuing - from application and underwriting to activation, renewal, and closure.

Explain functional concepts in card account management, including billing cycles, credit limits, cash limits, and interest calculations.

Interpret delinquency scenarios such as missed payments, DPD aging buckets, and collections processes, and their impact on cardholder experience.

Gain functional domain knowledge in card management that applies to payments, core banking, and digital banking projects for business analysts, testers, and IT

Apply key card management concepts in real-world BFSI projects involving core banking, credit cards, and digital payments.

aster essential card-related terminology such as revolver vs transactor, payment hierarchy, DPD, issuer, acquirer and more - crucial for effective communication

Requirements

No prior experience in card management is required.

basic understanding of banking or financial services is helpful but not mandatory.

This course is suitable for beginners as well as professionals looking to build or refresh their domain knowledge in card issuing operations.

No special tools or software are needed - just an interest in core banking, payments, or digital banking.

Description

Are you working on card payments, core banking, or digital banking projects as a business analyst, tester, or IT team member, and looking to gain solid domain knowledge in card issuing operations?This course, Card Management Essentials: Issuing, Lifecycle, Billing & Delinquency Concepts, is designed to give you a clear, functional understanding of the issuing side of banking credit operations - the kind of knowledge that helps you contribute confidently to payments projects, client discussions, and interviews.You will learn about different types of cards - credit, debit, prepaid, virtual, and commercial cards - and the key players involved in card ecosystems, including issuers, acquirers, cardholders, merchants, and card networks. You'll explore the complete lifecycle of a bank-issued card, from application and underwriting to production, activation, usage, renewal, and closure.We'll dive into account management, credit and cash limits, billing cycles, payment due dates, minimum due, interest calculations, and critical concepts like revolver vs transactor and payment allocation hierarchy. You'll also understand how missed payments lead to delinquency, aging buckets (DPD), and collections processes - all part of managing customer credit in banking.This course is ideal for those working in or transitioning into banking, financial services, and insurance (BFSI) roles - especially within retail banking, payments operations, savings products, and digital transformation initiatives.Designed for business analysts, testers, and IT professionals, the course emphasizes real-world functional flows and banking use cases, not just definitions. It will help you confidently work on card issuing systems, integrate with core banking platforms, and understand your role in broader digital banking and financial services projects.This course also sets the right foundation for exploring advanced topics such as transaction flows, fraud detection, and chargebacks, which are covered in the next course in this series.Enroll now and build your project-ready knowledge of card issuing operations within the broader banking and payments ecosystem.

Overview

Section 1: Introduction

Lecture 1 Course Introduction

Lecture 2 Instructor Introduction

Section 2: Module 1: Introduction to Card Management

Lecture 3 What Is Card Management?

Lecture 4 Types of Cards: Credit, Debit, Prepaid, Virtual, Commercial Corporate/Purchasing

Lecture 5 Key Players: Issuer, Acquirer, Merchant, Cardholder, Card Networks

Lecture 6 Push vs Pull Payments Explained

Section 3: Module 2: Card Lifecycle - From Issuance to Closure

Lecture 7 Card Lifecycle Overview

Lecture 8 Card Issuance Process: Application → Underwriting → Card Production → Delivery

Lecture 9 Activation and Usage Process

Lecture 10 Renewal, Replacement and Closure

Lecture 11 Card Blocking, Hotlisting, Lost & Stolen Handling

Lecture 12 Process Flow Diagram - Card Lifecycle Steps

Section 4: Module 3: Account Management, Billing & Limits

Lecture 13 Credit Limit, Available Limit, Cash Limit Explained

Lecture 14 Billing Cycle and Statement Generation

Lecture 15 Payment Due Date, Minimum Due, Total Due, Statement Balance

Lecture 16 Grace Period Concept and Interest-Free Period

Lecture 17 Revolver vs Transactor (Interest Calculation Basics)

Lecture 18 Payment Allocation / Payment Hierarchy (Interest → Fees → Principal)

Lecture 19 Example Scenarios: Missed Payments, Delinquency Handling

Section 5: Module 4: Delinquency Management & DPD (Days Past Due)

Lecture 20 What Happens When Payments Are Missed?

Lecture 21 DPD Concept and Aging Buckets (30, 60, 90+ Days)

Lecture 22 Collections Process Overview (Functional Understanding)

Lecture 23 Impact on Card Status and Customer Experience

This course is ideal for business analysts, testers, functional consultants, and IT professionals working in or transitioning into banking, financial services, or fintech domains.,It's especially valuable for those involved in card payments, core banking systems, digital banking platforms, or retail banking operations who want to build strong functional knowledge of card issuing processes.,Whether you're preparing for a new role, supporting a payments project, or looking to strengthen your domain expertise, this course provides the foundational understanding you need to succeed.

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