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Originally Posted by Rand
The concept of a "scrub" is a lot more complex and sophisticated than most give it credit for. I will agree it's dynamic and evolves, but in a way that favors increased sales unless your account is in danger of facing a fine program. The level of granularity employed is something you could not reproduce just anywhere.
For those who believe in that sledgehammer theory of mass scrubbing, well, I can't speak for everyone but that's just not how we operate.
Lots of factors can affect sales. Most have nothing to do with your bank, your processor, or the card associations. Fluctuations, explainable or not, are just part of it. After nearly 22 years in this, that's the one absolute truth I can share with you.
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I agree there are many factors when it comes to sales and it's not always easy to pinpoint exactly what is going on or where the exact issue is. But also let's not totally ignore the fact that Visa IS changing it's CB levels later this year and that will affect how some companies (banks, processers, affiliate programs, etc) will do business in the short term.
I run paysites, which have their own CB issues and concerns. But let's not forget cams, dick pills, dating, etc - all lucrative revenue streams in Adult where even a 0.1% decrease in CB levels could translate into thousands of dollars or more.