Credit unions use a variety of different business models to provide credit card services to members, an
d each credit union makes its own decision regarding which card products and services they will offer, how they will deliver them, and which suppliers they will use, based on what best fits their business situation and the needs of their members. For example, one credit union issues credit cards directly to their members and maintains control of the service relationship with the member, the terms and conditions of the card service, the design of the card, the marketing, pric
...[+++]ing, fees, and interest rates, and the ownership of the card balances.
Par exemple, une coopérative de crédit émet des cartes de crédit directement à ses membres et garde le contrôle sur la relation de service avec ceux-ci, sur les modalités relatives à la carte, sur la conception de la carte, sur le marketing, sur la tarification, les frais et les taux d'intérêt, ainsi que sur la propriété du solde de la carte.