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Applied Card Systems Company Overview
Applied Card Systems (ACS) is a U.S.-based credit card servicing company founded in 1987. It partners with financial institutions to issue VISA and MasterCard-branded credit and cash-advance cards, specifically targeting customers with limited credit histories. ACS manages over half a million cardholders through two servicing facilities, prioritizing responsive customer care with an average call-answer time under 20 seconds and a “one-call resolution” approach. Its technology investment exceeds $100 million, aimed at delivering secure and scalable processing infrastructure. ACS also handles collections and account servicing, with specialists trained to maintain professionalism and customer satisfaction. In recent years, employee reviews reflect a generally positive work culture, citing collaborative teams and advancement opportunities, although some note stricter policies and limited pay growth.