Purging credit cards

For more information regarding purging, see Purging Account and Member Records.

Credit cards purge from Portico quarterly if they meet the following criteria:

• The expiration date is less than or equal to the first of the month of the purge run. For example, the expiration date is 12/2018 and the purge run is 1/15/2019 for January. 12/1/2018 is less than 1/1/2019.
• The credit card balance is zero.
• The credit card is not in Collections.

The last transaction date is not evaluated in purging a credit card from Portico.

A credit card can prevent a member from purging from Portico. The following exception codes can appear on the Purge Exception Report 935 if a credit card is preventing a member from purging:

• K01 - The member has a credit card with an expiration date after xx/xx/xx, where xx/xx/xx is the last day of the quarter for which the purge is running.
• K02 - The member has a credit card account with a balance not equal to zero.
• K03 - The member has a credit card account in automated collections.

Portico deletes credit card accounts received in the Credit Processing Solutions (CPS) daily update file with an account status of P-Purge. The CPS credit card purge process occurs on the last business day of each month. Portico reports purged credit cards in non-financial history, the Non-Financial Transaction Register Report 030, and the Credit Card Daily Activity Report 740.

If the credit card is in Collections, Portico does not delete the credit card, even if the account status is P-Purge. You can choose to manually delete the credit card. Or you can purge the credit card from Collections and wait for Portico to delete the credit card when the next CPS file is transmitted with the credit card account flagged with an account status of P-Purge.