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CardWorks Servicing Company Overview

CardWorks Servicing is a U.S.-based financial servicing company that provides operational support for credit card and installment loan portfolios. Founded in 1987 and headquartered in New York, it serves a range of clients from super-prime to non-prime credit segments. CardWorks handles customer service, account maintenance, fraud prevention, dispute resolution, and primary and backup servicing functions. The company also manages post-charge-off collections through its affiliate, Carson Smithfield. With over six million accounts under management, CardWorks supports banks, finance companies, and institutional investors, offering scalable solutions with a strong focus on compliance, data security, and regulatory oversight. It operates across several service centers and emphasizes transparent, audit-ready operations tailored to credit industry stakeholders.