In recent times, the credit card industry has suffered a setback due to changing customer behavior triggered by the pandemic as well as disruptive innovations such as digital wallets, payment apps and emerging payment models such as BNPL. How can banks and card issuers reimagine their credit cards program to personalize the ‘credit card experience’ for every customer?  Decode your way into the customer’s day-to-day life. Here is a quick guide to help you discover the role of technology and data to propel customer engagement and three ways to re-position your credit card programs effectively.