Credit Card Expertise and Solutions That Work

Having analyzed hundreds of credit card programs we can bring an unrivaled experience and value to your program no matter your needs. Our work focuses on developing specific tactical plans to help your program reach its goals, whether they be improving financial performance, redeveloping your products, generating marketing plans that work, improving your portfolio management techniques, looking to buy or sell credit card accounts, develop co-branded or affinity programs or even begin issuing anew.

Tim Kolk, 
President, TRK Advisors, LLC


Speaking Engagements

Tim Kolk has been long-recognized as not only an expert in all things credit card, but also as an engaging and sought-after speaker on these topics. Whether providing market intelligence and implications to Board Members or Senior Management, or diving into deep work around prospect segmentation and portfolio management, audiences always report these sessions of great value. There is a reason that both the Callahan & Associates sponsored Card Management Series and our own Online Card School are so well regarded and attended.

If your organization is looking for an engaging, motivating and customized session for your particular purpose we can surely make that happen with you. Want to hear more? Then, contact us.


Online Card School Session #1

While all engagements are customized for the audience, this link to a webinar we gave earlier this year may help get a sense of Tim’s content and style:


Case Study #1: Restarting a Card Program

After selling their credit card business several years prior, this institution decided to start issuing credit cards again. Based on our proprietary data set of over 125 institutions which made this same decision, TRK Advisors provided our client with the expert guidance required to evaluate all of the pros and cons of this opportunity. Upon deciding to go forward, we then provided quick and actionable project support, including product set design, pricing structures, reward program elements, marketing plans and programs, average and best-in-class benchmarks for peers, internal reporting and risk control structures, customer base segmentation methodologies, forecasting techniques, portfolio management plans, and ongoing guidance related to all elements of the rollout and program management.

This client is now generating its own accounts, better satisfying its customers and will be positioned to successfully do so for many years to come. Card is now a critical component of overall relationships as well as generating meaningful profitability to the entire institution.


  • Restarting a Card Program
  • Kick-starting Growth
  • Product Updates for Today's Market
  • Consider an Agent Program

We always welcome a deeper conversation or request for additional information.

If you would like something more from us or to set up a time to speak, please use the button to the right to access our contact form. We will follow up immediately. Or call us at (603) 924-4438.