Services

Credit Card

Neural Cred is transforming the way banks and financial institutions manage credit card programs by offering a fully digital, intelligent, and automated platform. Our comprehensive suite of services spans the entire lifecycle of a credit card—from application and underwriting to card management and ongoing customer servicing.

Automated Credit Card Underwriting & Onboarding

We digitize and streamline the customer acquisition journey with smart automation and real-time decisioning capabilities:

Digital Application Capture
Fully digital and mobile-optimized application interfaces with KYC and document upload.

Automated Credit Decisioning
Use AI-powered risk engines and credit policy automation to assess eligibility instantly.

Alternative Credit Data
Integrate with domestic and international credit bureaus, including non-traditional data sources, for underserved segments.

Instant Account Setup
Issue card numbers, assign limits, and activate accounts in real time upon approval.

Customer Prequalification
Enable banks to run pre-screening or soft-check models to offer personalized credit limits and offers.

Instant Card Issuance & Wallet Provisioning

Speed and convenience are key. We support:

Instant Virtual Card Issuance: Provide customers with a ready-to-use virtual card upon approval.

Physical Card Fulfilment APIs: Integrate with card printers and logistics partners for seamless physical delivery.

Wallet Integration: One-click provisioning into Apple Pay, Google Pay, Samsung Pay, and other digital wallets.

Tokenization & Security: Secure card data using tokenization, ensuring compliance with global standards like PCI DSS.

Full Lifecycle Card Management

We simplify operations while putting control in the hands of customers:

Card Activation & PIN Management

Allow customers to activate cards, set or change PINs directly through the app.

Card Replacement & Reissuance

Real-time request and issuance of replacement cards for lost, stolen, or expired cards.

Card Cancellation & Closure

Streamlined digital workflows for voluntary closure or regulatory-triggered blocking.

Expiry Management

Automated card renewal alerts and digital renewals with optional physical card opt-in.

Dynamic Card Controls & Advanced Customer Servicing

Empower cardholders with self-service tools and intelligent controls

Temporary Lock/Unlock

Instantly lock or unlock cards in case of suspected fraud or temporary disuse.

Transaction Limits

Set custom daily or per-transaction spending limits (e.g., POS, online, ATM).

International Usage

Enable or disable overseas usage, based on travel or customer preferences.

Supplementary Card Management

Monitor, control, and limit spending for supplementary cardholders, with usage notifications and real-time alerts.

Real-Time Card Block & Replace

Detect suspicious activity and trigger immediate card blocking and issuance of a new one.

24/7 In-App Servicing

All servicing features are available via a single digital interface to reduce call center dependency and boost CX.

Why Neural Cred?

With a modular, API-first platform, Neural Cred enables financial institutions to:

Accelerating Credit Card Growth Through Intelligent Automation and Customer-Centric Innovation

We help you grow credit card programs faster with smart tools, lower costs, better risk control, and a great mobile experience—while staying up to date with regulations.

Launch and scale credit card programs faster
Reduce operational costs through automation
Enhance credit risk precision using data intelligence
Deliver a modern, mobile-first customer experience
Stay agile and compliant in a fast-changing regulatory landscape