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We Card training works — 99% of trainees report feeling confident enforcing age-restricted sales laws, and 93% rate our programs as "good" or "great."
ARLINGTON, Va., Sept. 10, 2025 /PRNewswire/ -- Thirty years ago, the We Card program launched with a mission: to help retailers prevent tobacco sales to minors. Since 1995, retail regulations have evolved dramatically. While challenges and enforcement measures have increased, the need for effective training, tools, and compliance support remains.We Card unveiled the availability of its 2026 We Card materials on September 1st with 2026 Renewal Kits available for convenience stores who sell tobacco and vaping products and 2026 E-Vapor Kits for stores selling vaping products.Here too, We Card is leading the way by launching public-facing campaigns to raise awareness and encourage adults to refrain from giving or buying on behalf of minors, engaging not just retailers, but entire communities with our "Be A Real Influencer" and "We Card We Care" campaigns.Retailer compliance with underage access laws should be applauded. Most importantly, retailers and We Card (and our industry-wide stakeholders) aren't standing still. More and more you will see ID scanning at the sales counter as new technologies are adopted to identify-and-deny underage purchase attempts.
CardWorks Servicing is a consumer finance servicing provider, and a people-centric, compliance-focused organization enabled by data and technology.
CardWorks Servicing provides asset management, backup servicing, portfolio and operational due diligence services to capital providers and trustees.CardWorks Servicing is a consumer finance servicing provider, and a people-centric, compliance-focused organization enabled by data and technology.CardWorks' mission is to provide customized and compliant loan servicing and asset management to produce our clients' desired end-customer experience.Founded in 1987, CardWorks is now one of the largest privately-held providers of end-to-end outsourcing support services for both credit card and installment loan products in North America.
"This acquisition is a perfect example of what CardWorks does best - finding the right opportunities and executing with precision," said Don Berman, Founder and Executive Chairman of CardWorks. "We've worked with the Ally Card team for years as their servicing partner and bringing them under ...
"This acquisition is a perfect example of what CardWorks does best - finding the right opportunities and executing with precision," said Don Berman, Founder and Executive Chairman of CardWorks. "We've worked with the Ally Card team for years as their servicing partner and bringing them under our roof just makes sense.WOODBURY, N.Y., April 1, 2025 /PRNewswire/ -- CardWorks, Inc. closed the acquisition of Ally Financial's credit card portfolio and platform today, including a team of talented individuals and 1.3 million active cardholders.Merrick Bank, the wholly-owned bank subsidiary of CardWorks, will acquire a portfolio of $2.2 billion in credit card receivables, enhancing Merrick Bank's position as a top non-prime and near-prime credit card issuer.CardWorks is a trusted leader in the credit and payments industry, known for its people-first approach, innovative use of data and technology, and unwavering commitment to compliance. Founded in 1987, CardWorks has empowered millions of customers and partnered with businesses to deliver tailored financial solutions that drive success.
Accept Discover cards at your business? Learn how Discover payment processing works, how long it takes, and how to keep your cash flow steady!
If you're a business owner, accepting a wide range of credit cards is essential for closing sales and keeping customers happy. That includes Discover, the fourth-largest credit card company in the U.S. But how exactly does Discover payment processing work for merchants?Unlike Visa and Mastercard, Discover acts as both the card issuer and the network. This means that when a customer swipes a Discover card, you're working directly with the same company to process payments. There’s no separate bank or network involved in authorizing the credit card transactions.Because Discover is vertically integrated, it often offers faster, smoother processing compared to cards involving third-party banks.This Discover payment processing time is competitive with other major card brands.
Welcome to NobleWorks Cards, the greeting card company that's all about being funny and as irreverent, crass and as inappropriate as we can be! Our goal is to resuscitate a card industry that for years has been putting us to sleep with their dull, sweet sentiments.
OK, that's a lie, we do sell some obscenely funny cards that pokes fun at the law(less) and disorder in Washington. How can we resist? Nevertheless, despite our aversion to politics, we have decided it is our civic duty to push a very important agenda: making America "greet" again. Relying on texts and email for things like reminding your spouse to take out the garbage or to communicate with co-workers is fine, but when it comes to such important events as reminding your sister that she's aging horribly on her birthday, it is best done with an old-fashioned, humorous greeting card.No, here at the NobleWorks Cards towers in beautiful Hoboken, which some have idealized with terms from Venice to the armpit of New Jersey, we just give you pure, unadulterated laughs and humor. For tamer thrills, check out our safe-for-work and totally unexpected, gorgeous note cards site: The Best Card Company.Funny occasion and humor holiday greeting cards; delivered to your door free - shop the web largest original funny card collection at NobleWorks Cards, a US based publisher.Welcome to NobleWorks Cards, the greeting card company that's all about being funny and as irreverent, crass and as inappropriate as we can be! Our goal is to resuscitate a card industry that for years has been putting us to sleep with their dull, sweet sentiments.
She also provides legal advice ... Inc., CardWorks Servicing, Carson Smithfield, LLC, and CWI Board Committees. As General Counsel, Laurie manages the Legal Team and is responsible for mitigating legal risk. She and her team provide guidance to the Board of Directors, senior management, and staff at all levels of the organization. Laurie serves on many committees and leadership teams, including the Executive Council, the Working 2021 Governance ...
She also provides legal advice to and serves as Secretary of the Boards of CardWorks, Inc., CardWorks Servicing, Carson Smithfield, LLC, and CWI Board Committees. As General Counsel, Laurie manages the Legal Team and is responsible for mitigating legal risk. She and her team provide guidance to the Board of Directors, senior management, and staff at all levels of the organization. Laurie serves on many committees and leadership teams, including the Executive Council, the Working 2021 Governance Team, the Third-Party Risk Management, Business Continuity, and Information Security Committees.Before joining CardWorks, Laurie worked in a variety of legal and compliance roles at large and small banks, including Citibank, Capital One, Emigrant, GreenPoint, and North Fork. She earned a B.A. from Brandeis University, and a J.D. from Brooklyn Law School.I am curious, and work to expand my skills, capabilities and knowledge, both professionally and personally. I promote a growth mindset over a fixed mindset, and believe in the value of learning for myself and others. I encourage others at every level of the organization to deepen and broaden their skills and knowledge, and share what I know. CardWorks has always believed that our success as an organization is built upon our people.At CardWorks, we foster an environment where people are explicitly valued as our most important asset …and appreciating the energies and talents our employees bring to work every day.
We’ve spent dozens of hours researching, testing, and comparing some of the most highly regarded business card makers out there. In addition to our top pick, we also recommend FedEx Quick Business Cards for same-day cards that work in a pinch, as well as Impress for people who don’t use ...
We’ve spent dozens of hours researching, testing, and comparing some of the most highly regarded business card makers out there. In addition to our top pick, we also recommend FedEx Quick Business Cards for same-day cards that work in a pinch, as well as Impress for people who don’t use a computer or simply prefer an app-based service.A business card is a tangible introduction to your brand or business that you can share with potential new clients and collaborators. It’s a memorable way to put your name, phone number, website, social media handles, work samples, and more into the hands of someone you want to work with.For this guide, we focused on finding the best business card service for small-business owners, independent contractors, artists, consultants, and anyone who works for a company that doesn’t provide business cards for its employees.Since we first published this guide in 2018, we have researched more than 30 business card printing services and tested 10. We consulted with experts as well as a panel of Wirecutter colleagues — many of whom work or worked as freelancers — for further feedback on what makes a great business card and business card service.
Between employees making unauthorized ... your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it....
Between employees making unauthorized purchases, missing receipts that delay month-end close, and spending that spirals over approved budgets, an ineffective corporate credit program can become a daily source of headaches. Yet, when done properly, corporate card management can allow your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it.The primary goal of corporate credit card management is responsible use of company funds. When done strategically, it leads to better working capital optimization, more reliable financial reporting, and reduced administrative burden on finance teams.All of your cardholders need to understand your policies and how to use their cards properly. Training reduces the chances of any misuse and helps employees navigate expense submission processes efficiently. Cover policy highlights, demonstrate expense reporting tools, and explain the importance of separating business and personal purchases. Interactive training sessions work better than just handing out policy documents.Use a centralized expense management software to track all corporate card transactions in one place to give finance teams complete visibility while simplifying reporting for employees. Look for platforms that integrate with both your accounting automation software to automate reconciliation and bill pay platform to keep all cash flow data in one interface. Real-time transaction monitoring, mobile receipt capture, and automatic categorization reduce manual work while improving accuracy.
Control card size and layout with USWDS utilities. The card component works well with layout grid utilities. The usa-card-group block is functionally a wrap-able grid-row, and each individual usa-card is a grid-col. This means you can use a grid utility like tablet:grid-col-4 to set a four-column ...
Control card size and layout with USWDS utilities. The card component works well with layout grid utilities. The usa-card-group block is functionally a wrap-able grid-row, and each individual usa-card is a grid-col. This means you can use a grid utility like tablet:grid-col-4 to set a four-column size on a card at tablet width.Make sure images are properly sized. Cards often change size depending on the device. Make sure you use an image that works well on any device at any size.A card is often a subset or summary of a larger idea. It acts as an entry point to more detailed information. This summary can contain a variety of content types, such as text, images and multimedia, or buttons and links.Cards contain content and actions about a single subject.
Discover how credit cards work, from billing cycles and interest rates to rewards and responsible usage. Learn the basics on how to use a credit card.
Many cards offer additional benefits, such as rewards and purchase protections, that can make them a better option than debit cards. However, understanding how credit cards work and when you'll have to pay interest is an important part of responsibly managing your finances.Apply for credit cards confidently with personalized offers based on your credit profile. Get started with your FICO® Score for free.See your offers ... Louis DeNicola is freelance personal finance and credit writer who works with Fortune 500 financial services firms, FinTech startups, and non-profits to teach people about money and credit.A credit card works by giving you access to a revolving line of credit that you can borrow against, repay the debt and borrow again.Secured credit cards are generally for people who are new to credit or are rebuilding their credit. To open a secured card, you need to send the card issuers a refundable security deposit or lock money in a linked bank account. The funds secure the card's credit limit, and the card issuer can keep the money if a cardholder stops making payments on the card.
About CardWorks and Merrick Bank CardWorks is a trusted leader in credit and payments, known for its people-first approach, innovative use of data and technology, and unwavering commitment to compliance. For over 38 years, CardWorks has empowered millions of customers and partnered with businesses ...
Sale enables Ally to be more focused on its core businesses; acquisition enhances CardWorks' position as a leading credit card issuer and servicer CHARLOTTE, N.C. and WOODBURY, N.Y., Jan. 22, 2025...About CardWorks and Merrick Bank CardWorks is a trusted leader in credit and payments, known for its people-first approach, innovative use of data and technology, and unwavering commitment to compliance. For over 38 years, CardWorks has empowered millions of customers and partnered with businesses to deliver tailored financial solutions that drive success.CHARLOTTE, N.C. and WOODBURY, N.Y., Jan. 22, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) and CardWorks, Inc.Learn more at www.cardworks.com.
Between employees making unauthorized ... your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it....
Between employees making unauthorized purchases, missing receipts that delay month-end close, and spending that spirals over approved budgets, an ineffective corporate credit program can become a daily source of headaches. Yet, when done properly, corporate card management can allow your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it.The primary goal of corporate credit card management is responsible use of company funds. When done strategically, it leads to better working capital optimization, more reliable financial reporting, and reduced administrative burden on finance teams.All of your cardholders need to understand your policies and how to use their cards properly. Training reduces the chances of any misuse and helps employees navigate expense submission processes efficiently. Cover policy highlights, demonstrate expense reporting tools, and explain the importance of separating business and personal purchases. Interactive training sessions work better than just handing out policy documents.Use a centralized expense management software to track all corporate card transactions in one place to give finance teams complete visibility while simplifying reporting for employees. Look for platforms that integrate with both your accounting automation software to automate reconciliation and bill pay platform to keep all cash flow data in one interface. Real-time transaction monitoring, mobile receipt capture, and automatic categorization reduce manual work while improving accuracy.
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23M subscribers in the explainlikeimfive community. Explain Like I'm Five is the best forum and archive on the internet for layperson-friendly explanations. Don't Panic!
ELI5: why do bank credit cards always have Visa or Mastercard on them, if your bank is the one lending you money? r/explainlikeimfive • · r/explainlikeimfive · Explain Like I'm Five is the best forum and archive on the internet for layperson-friendly explanations. Don't Panic! Members Online · upvotes · · comments · ELI5: How money works?How credit cards work: r/BeAmazed • · r/BeAmazed · A place to find and share things which are amazing in a positive way. Members Online · upvotes · · comments · ELI5: How does crypto work? r/explainlikeimfive • · r/explainlikeimfive · Explain Like I'm Five is the best forum and archive on the internet for layperson-friendly explanations.Posted by u/Cool-Calligrapher810 - 0 votes and 10 commentsTo add, many credit cards have $0 annual fee, and give a percentage, such as 5% cash back for various types of charges (groceries, restaurants, gasoline...). If you pay the bill in full each month, you get free money. Interestingly, I've heard that credit card companies refer to these kinds of customers as "deadbeats".
Between employees making unauthorized ... your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it....
Between employees making unauthorized purchases, missing receipts that delay month-end close, and spending that spirals over approved budgets, an ineffective corporate credit program can become a daily source of headaches. Yet, when done properly, corporate card management can allow your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it.The primary goal of corporate credit card management is responsible use of company funds. When done strategically, it leads to better working capital optimization, more reliable financial reporting, and reduced administrative burden on finance teams.All of your cardholders need to understand your policies and how to use their cards properly. Training reduces the chances of any misuse and helps employees navigate expense submission processes efficiently. Cover policy highlights, demonstrate expense reporting tools, and explain the importance of separating business and personal purchases. Interactive training sessions work better than just handing out policy documents.Use a centralized expense management software to track all corporate card transactions in one place to give finance teams complete visibility while simplifying reporting for employees. Look for platforms that integrate with both your accounting automation software to automate reconciliation and bill pay platform to keep all cash flow data in one interface. Real-time transaction monitoring, mobile receipt capture, and automatic categorization reduce manual work while improving accuracy.
Several varieties of cash back cards enable you to get cash back on your spending. But how do cash back cards work?
Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor. ... India is a Bankrate editor with expertise in credit cards that focus on students, building credit and small businesses.Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor. ... The advice in this article is offered by the Bankrate editorial team independent of any bank or credit card issuer.Capital One Quicksilver Cash Rewards Credit Card offers, for example. Earn a flat 1.5 percent cash back rate on all purchases, which works out to $15 in cash back for every $1,000 spent.APA: Dieker, N. (2025, May 02). How does cash back work? Bankrate. Retrieved September 09, 2025, from https://www.bankrate.com/credit-cards/cash-back/how-cash-back-works/
With over 35 years of operating history, the CardWorks companies include one of the largest managers and servicers of credit card and installment loan products, a top 20 credit card issuer and a top 10 merchant acquirer in the US. Through our companies, we work as a direct lender to consumers, ...
With over 35 years of operating history, the CardWorks companies include one of the largest managers and servicers of credit card and installment loan products, a top 20 credit card issuer and a top 10 merchant acquirer in the US. Through our companies, we work as a direct lender to consumers, a provider of servicing solutions to banks and non-bank lenders, and payment processing solutions for ISOs and merchants.In return, we foster an environment where our employees can be noticed, heard, appreciated, and understand the importance of their role(s). For over three decades, our Guiding Principles of doing the right thing, putting the customer first, and ELF or Earn, Learn, and have Fun, have defined who we are as a company with a strong people-centric culture. When people come to work at CardWorks, they find opportunities for learning, for advancing, and for enjoying their work.This position is responsible for supervising the day-to-day operations of the Credit Card, Payments and Settlement Services function, including but not limited to monitoring the workload, identifying and correcting any discrepancies, ensuring adequate staff coverage to meet deadlines, and for the growth and development of the settlement associates.At CardWorks, our culture is more than just a set of values; it's the lifeblood of our organization and the secret ingredient to our success. We invite you to experience the CardWorks way of life and see the difference a strong company culture can make. #companyculture #workculture #culture
Between employees making unauthorized ... your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it....
Between employees making unauthorized purchases, missing receipts that delay month-end close, and spending that spirals over approved budgets, an ineffective corporate credit program can become a daily source of headaches. Yet, when done properly, corporate card management can allow your corporate cards to streamline financial operations and improve cash flow. The difference between a card program that works and one that creates problems comes down to how well you manage it.The primary goal of corporate credit card management is responsible use of company funds. When done strategically, it leads to better working capital optimization, more reliable financial reporting, and reduced administrative burden on finance teams.All of your cardholders need to understand your policies and how to use their cards properly. Training reduces the chances of any misuse and helps employees navigate expense submission processes efficiently. Cover policy highlights, demonstrate expense reporting tools, and explain the importance of separating business and personal purchases. Interactive training sessions work better than just handing out policy documents.Use a centralized expense management software to track all corporate card transactions in one place to give finance teams complete visibility while simplifying reporting for employees. Look for platforms that integrate with both your accounting automation software to automate reconciliation and bill pay platform to keep all cash flow data in one interface. Real-time transaction monitoring, mobile receipt capture, and automatic categorization reduce manual work while improving accuracy.
Card games are bigger than ever, but they’re one of humanity’s oldest toys. Despite this, their mathematical complexity defies understanding.
In 1992, he proved that it takes seven riffle shuffles to truly randomize a 52-card deck, alongside fellow mathematician Dave Bayer. His research on card shuffling has implications for scientific fields as far-flung as the study of glass melting and the creation of magnets. He doesn’t know how Solitaire works.This is what getting hooked on Solitaire taught me about playing cards, math, and human history.The talk has been given several times over the years, and is currently viewable on YouTube. One of his most recent appearances, in 2024, reiterates that despite all the technical advances we’ve made in science and mathematics, the complexity of cards is still somewhat a black box.Writing for Quanta Magazine, Erica Klarreich asked mathematician Ron Graham what that means in practice. He told her, “If everyone had been shuffling decks of cards every second since the start of the Earth, you couldn’t touch 52 factorial,” the number of possible arrangements of a 52-card deck.
CardWorks is a leading credit and payments company, and a people-centric, compliance-focused organization enabled by data and technology. Our mission is to clear the path, making it easier for our customers and clients to achieve their goals. ... Through our companies, we work as a direct lender ...
CardWorks is a leading credit and payments company, and a people-centric, compliance-focused organization enabled by data and technology. Our mission is to clear the path, making it easier for our customers and clients to achieve their goals. ... Through our companies, we work as a direct lender to consumers, a provider of servicing solutions to banks and non-bank lenders, and payment processing solutions for ISOs and merchants.We have a card that’s right for you. We offer direct to consumer lending, including: ... And much more! We specialize in providing recreation loans to help you enjoy all kinds of outdoor activities. We provide competitive loan options and work with a nationwide network of manufacturers and dealers to finance:CardWorks is a people-centric workplace where you’ll find purpose, opportunities for advancement, and an amazing team!CardWorks is a leading servicer of credit cards and other unique card products, servicing millions of consumer accounts.