Systems and methods for presenting payoff information to credit card customers

摘要

A method of presenting account payoff information to customers includes receiving electronic data relating to a plurality of customers and evaluating the data to determine a class to which each customer belongs. The method also includes preparing an account statement for each customer in a first class and for each customer in a second class. The account statement for each customer in the first class includes a standard message, and the account statement for each customer in the second class includes a detailed message. The method also includes transmitting an electronic file comprising the account statements for the plurality of customers to a statement generator. The standard message comprises a total time to pay off at least one hypothetical account balance at a hypothetical interest rate based on a first series of minimum payments. The detailed message comprises a total time to pay off an account balance of the customer at an interest rate of the customer based on a second series of minimum payments.