36 Commercial credit and debit card portfolio management services, in the nature of financial risk management; customer screening, in the nature of credit checking of customers to determine credit worthiness; providing financial information in the nature of verifying and revising financial information on payments made to creditors; Providing credit card services to financial institutions, namely, services designed to assist financial institutions in deciding whether to extend credit in the nature of credit checking and credit analyzing, credit risk management services; financial services designed to ensure the proper handling of chargebacks, namely, fraud reimbursement services in the field of credit card purchases; financial services designed to ensure the proper handling of collections and recovery of both delinquent and charged-off accounts, namely, debt collection; bank account management services in the nature of handling cardholder requests for additional or replacement cards, PINs and changes of name, address or phone number; bank account maintenance services and customer related services, namely, providing bank account information by responding to cardholder inquiries regarding balance, available credit, account status, authorizations, payments and credit lines; bank account services, namely, providing additional copies of cardholder statements; processing emergency credit line increase requests; and providing financial portfolio management services; issuance of digital credit cards