Contact members with existing credit cards that pay more than their minimum payment and suggest they take advantage of balance transfer offers—the end result being your credit card portfolio grows. This campaign targets active credit card members, which will increase the penetration success of the campaign. This utilizes the Loan Payment Activity Analysis to identify members who had overpayments. The campaign solicitation can be customized according to credit score (e.g. member with lower credit score may get a different solicitation vs. member with higher credit score).