Strict disclosure requirements for a credit card conversion involving 11 different cards, 39 combinations of rates and fees, and up to 36 different inserts.

Changes in credit card terms, including rates, fees and rewards program benefits, required 45 days advance notice; in some cases, this was the first communication received, and had to make a positive first impression.

Careful strategic and tactical planning to ensure 400,000 cardholders received the correct information – regulatory and promotional – in a timely manner.

Personalized letters delivered variable data; pre-insertion of disclosure versions into one of 8 inner envelopes to manage customer experience.

Stringent data and package component QC to verify accuracy of mail packages.