Collections software for credit card providers
A card book generates more small delinquencies, more often, than any other product. Flexys gives card providers one system to catch them early, let cardholders sort them online, and evidence every decision to the FCA.
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The credit card collections problem
Card arrears arrive in volume and in fragments: a missed Direct Debit here, a minimum-only payment there, thousands of times a month. Each one is small. Together they are the biggest early-arrears flow most lenders run, and the hardest to work by hand.
Revolving credit adds rules a loan book never faces. The FCA's persistent debt requirements mean providers must identify cardholders paying more in interest and charges than they repay, contact them at set points, and offer a way out. Consumer Duty sits over all of it. Every intervention needs to happen on time and be provable afterwards.
Most card collections still runs on the card management system's cycle plus dialler lists and spreadsheets. Early signals get missed, persistent debt tracking lives in a monthly report, and nobody holds the cardholder's full picture in one place.
Built for the shape of a card book
Caught early, sorted online
A missed Direct Debit or a run of minimum payments triggers contact before the account deteriorates. Cardholders set up a plan, change a payment date or ask for help from their phone, with affordability built into the journey.
Thousands of small balances, one workflow
Reminders, arrangements, promise monitoring and follow-up run automatically across the whole book. Agents see only the accounts that need a conversation, so cost to collect stays in proportion to balances that are often under £500.
Persistent debt and Consumer Duty, evidenced
Persistent debt is identified and actioned on schedule, with each contact, option offered and outcome recorded. When the FCA asks how a cardholder was treated, the audit trail answers.
Keep the cardholder, recover the balance
Fair, early, digital-first collections resolves arrears without ending the relationship. Handle a growing book and multiple card brands without growing the team.
Why card collections needs its own approach
Card books have a shape that general-purpose collections tooling struggles with, and it comes down to three things.
Volume. Tens of thousands of small delinquencies a month, most of which should never reach an agent.
Revolving balances. Minimum payments, interest and charges move the balance every cycle, and persistent debt has to be tracked against it.
Early signals. A missed Direct Debit or minimum-only run is the moment to act, weeks before the account is formally in arrears.
Flexys is configured for all three: automated early intervention, persistent debt tracking inside the collections record, and self-service that resolves most cases before anyone picks up a phone.
Credit card collections software: common questions
What is credit card debt collection software?
Software that manages card arrears from the first missed payment: automated early contact, digital repayment plans, agent tools for accounts that need a conversation, persistent debt tracking, vulnerability handling and an audit trail of every action. Flexys does this alongside the card management system, which continues to hold balances and process payments.
How does Flexys support the FCA's persistent debt rules?
FCA rules require card providers to identify cardholders in persistent debt, contact them at set points and offer options to repay faster. Flexys tracks that status inside the collections record, triggers the contacts on schedule and records what was offered and what the cardholder chose. Not legal or compliance advice; speak to a qualified adviser about your obligations.
Can cardholders set up repayment plans themselves?
Yes. The self-service portal lets cardholders pay, set up or adjust a plan, change a payment date and tell you about a change in circumstances, at any hour. Affordability checks run inside the journey, and cardholders showing signs of difficulty are routed to support rather than left to self-serve alone.
Does Flexys replace our card management system?
No. Flexys holds the complete record of collections activity and integrates with your card management or core banking system, which remains the source of balances, interest and payments. It replaces the spreadsheets, dialler lists and manual tracking where collections activity otherwise lives.
Can Flexys handle several card brands or portfolios?
Yes. Own-brand, co-brand and acquired portfolios run on one system with their own journeys, communications and treatment rules, and one audit trail across the lot.
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See it working for card arrears
Walk through the system with someone who understands high-volume card collections, and see how it would fit your operation.
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