customer service representative

general ledger accountant

senior internal auditor

office assistant

collection agent

CardWorks Servicing

A typical day consisted of reviewing fraud alerts, coaching frontline agents, resolving escalations, and balancing a high workload with little downtime. I learned how to lead through chaos, advocate for my team, and build resilience in an environment that didn’t always prioritize its people.

Management was hit or miss — some leaders genuinely cared and invested in development, while others micromanaged or disregarded feedback entirely. Communication from upper leadership was often unclear or contradictory, and team leads were frequently left out of key updates.
The workplace culture leaned heavily on internal cliques and favoritism. If you weren’t part of the right circle, it was difficult to be heard or fairly recognized. Training lacked structure, and even when implemented later, it didn’t fully equip staff for success.
The hardest part of the job was managing unrealistic expectations while lacking the proper tools and support. The most enjoyable part — without question — was my team. Their camaraderie and commitment were the highlight of my experience and the reason I stayed as long as I did.

Card works is a ethical company. I haven't experienced favoritism or discrimination for any reason at this job. 
Management is pretty friendly. 
It is a normal call center environment, non-stop inbound calls with very little time off the phone. The downfall is that the job is a bit Micromanaged when it comes to monitoring your time off the phone. Most new hires are required to work the evening shift (afternoon to late night) and this includes weekends (more than likely you won't have an option to change it). You get 3 breaks you are scheduled to take (One 30 min lunch / one 10 min day break/ one 10 min evening break) excluding an additional 12-15mins that's not scheduled. You must take your scheduled breaks and going over 2min-5mins can put your job at risk. Obeying your scheduled breaks to perfection can become more of a focus then the quality of your calls and your capability to show up on time everyday and do your job correctly. It's a huge building on the 4th floor, horrible bathrooms, moldy fridgerators, so it's almost pointless going anywhere inside on your scheduled break. The maintenance and building structure is obviously not Cardworks fault but it's a thing. 
There are great people at this place that are abiding to coroparate rules so if you lose your job because of an extended break it's not personal but it's Corporate and AGAIN it's Micromanaged. I'd definitely recommend you have long term experience in a Call Center or just in a position where you've worked within multiple set time frames because this might be a temp position if your not able to adjust.

The ability to work  remote from home. Incentives for Quality Assurance. Unlimited overtime and 4 day 40hrs work week! The work environment was family orientated, So it was a pleasure training new employees as well as long term employees that needed assistance to comply with the clients objective, policy and procedures. Working with other employees. The paid training for different gates. The ability to work independently as well as working amongst my peers. The break room was equipped with comfortable seating and television. The lounge was always kept clean. The entire office cleaned daily! Access to parking lot with no additional fees. Management open for suggestions and new ideas. Open policy to address any cares and concerns. The pay rate hourly was compatible with the standard for customer service resolutions advisor. The ability to assist customers with their Cares, Questions and Concerns. To make a difference everyday to customers all over the USA. The best part of working was problem solving. Making the call from customers a one stop call. You never know what type of personality you'll get on a call and the demographics of where their from, but able to resolve any issues. Was Thankful for the experience and knowledge I acquired and the ability to multitask and stay compliant and efficient to clients criteria. It was a great learning experience. I now have more knowledge of supervisory, management to add  to my over 25+ years in customer service related jobs to future employers.

Cardworks office environment is excellent! Work is interesting and they provide opportunities to exercise your mind if you want a challenge. People willing to contribute extra effort, especially when not asked, are rewarded with appropriate increased compensation. Individuals are friendly, helpful and engaging. We all show great respect toward each other. You will occasionally have a person who complains about others often. They're rare and usually leave because negative personalities create failure and don't mesh with the positive upbeat corporate culture here. The office is very clean and bright with many windows to enjoy outdoor views. The Pittsburgh office has restaurants downstairs and the Woodbury office has a cafeteria for our breakfast and lunch. Human resources holds fun teambuilding events and professional training is provided, some required, more if the employee requests. If you're a dedicated worker, enjoy engaging in positive conversation and are willing to learn and grow in a team environment you would be successful and enjoy working here for a very, very long time.

They advise that they know life happens and can work with you. I was advised that my mother only had a few days left to live. I advised the human resources department and management. While in the human resources department they advised they were sorry for what I was having to deal with. Yet I could only have 1 day off once my mother died. In the meantime they need a person in the seat taking calls. I looked at them in shocked disbelief. I'm advising you my mother only has 3 days left to live and that's your reply. I immediately quit that very moment. They proceeded to try and convince me I should stay or should take a few minutes to think about my decision.  I felt wronged, hurt and like a knife had been twisted in my gut. You pretty much insist that if she passes sooner I can try and get the overtime that was coming up. Really? I felt like they wanted her to hurry up and die so they can meet their quota. I left and never looked back. They are the epitome of the definition of wolves in sheeps clothing. Soulless individuals who think more of their pocket than the individual.

Firstly, the training class was very unorganized - puzzled why doing an in person / hybrid training would be both sufficient and practical.  Most of the class was spent combating IT issues which left us under prepared into the field. 

The day to day you are mainly fielding calls from broke people with terrible credit trying in inch out every dollar on their high interest plastic to make poor life decisions.   Prepare to get cursed out when you can't give them $100 boost on the their card! 

They do offer incentive for doing well on your call monitoring each month.  the catch, they will nitpick EVERYTHING.  if you do not read the script down to the last word you will be penal.  

You will also be tasked to work a weekend day of your choosing, which seems unnecessary since the call volume is very low and you will be reprimanded for being on your cell phone.  So i guess they just want you sit blankly at your desk like a robot. 

Co-workers are friendly but this job ages you quickly. You will be burned out quick! 


What is the best part of working at the company?
They care about customers and employees as wèll. They listen to complaints and are always trying to improve operations. They treat employees as adults. They don't try to micromanage employees, but offer great support and training.

What is the most stressful part about working at the company?
As in any call center, you have some days when you get stressful calls and on those days sometimes you get more than normal amounts. You ĵust have to remain positive knowing better days are coming.

What is the work environment and culture like at the company?
The company believes in giving back to the community and the departments are always willing to help each other and the company seems like family.

What is a typical day like for you at the company?
I am on the phones my usual 8 hour shift and stay at my desk except for breaks and lunch, or meetings and/or trainings both in person or online. We are given top rated tools and a very clean and pleasant office and breakroom.

Great entry level jobs, it is highly unlikely you will move into a higher position within the first year or 5 if you start in an entry position. They don't really look at previous experience, they are looking  more for a body that can be on the phones. Mindless work and incentive is nonexistent no matter how high your numbers are there is always "you took a sick day this month, you almost made it" Despite the company's efforts to improve, particularly through extensive new hire training, compensation and benefits unfortunately fall short of expectations, most employees will need to rely on assistance to make it. This is not a sales job even though it is sold in that way when joining the company. Most of the day you will be yelled at, called names, and told we are harassing.  For a company that makes 1 billion in revenue you would assume they would put more monetary security for the employees in the trenches. 


Terrible cases of politics within this company with less than average job security - I’ve literally seen people just randomly fired with no notice. The pay is pretty decent but the job (Collections) is pretty stressful and demanding for just 2 10 min breaks and an unpaid 30 min lunch which requires you to work 8.5 hour shifts, including at least 2 weekend days. You literally learn everything as you go or as you’re corrected after a 2 week training. They have no compassion for work/life balance (random scheduling hours) and don’t accept sick/doctor excuses either. Management is mixed. The coaches are usually nice but there are a good 2-3 managers who treat employees like they are expendable and speak to you without an ounce of respect. It’s a decent job but small things make work dreadful.

you're on the phone non-stop back to back calls answering questions. As a young person, it's a decent way to gain experience being professional on the phone. Learning about how credit cards work, all the terminology involved with credit and credit cards and the pay can be decent for a young college person. Not something for more than 2 years max although there is actual room to grow, you just have to actively proving yourself. Otherwise it can just get repetitive (unless you have school to offset the routine). Be forewarned the exceedingly high call volume can become a stress factor. The supervisors and managers can be really chill as long as it doesn't involve telling you to put away the phone. Otherwise they are truly there to help you, not to hinder you.

Top Job Titles	Average Salary
Customer service representative 1 salary reported	$14.00 per hour
General ledger accountant 3 salaries reported	$21.58 per hour
Senior internal auditor 1 salary reported	$109,000 per year
Office assistant 7 salaries reported	$19.25 per hour
Collection agent 3 salaries reported	$17.29 per hour

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