Card issuing operations, billing cycles, credit limits and delinquency — for business analysts, testers, and IT teams
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?
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.
Course Content
- Introduction –> 2 lectures • 3min.
- Module 1: Introduction to Card Management –> 4 lectures • 12min.
- Module 2: Card Lifecycle – From Issuance to Closure –> 6 lectures • 16min.
- Module 3: Account Management, Billing & Limits –> 7 lectures • 29min.
- Module 4: Delinquency Management & DPD (Days Past Due) –> 4 lectures • 17min.
Requirements
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.