sentences:  The primary reason for the launch of the service was to become the terminal provider of the credit card operations of the member banks.At the time, Phil Commercial & International Bank (PCIB) - Bankard, Citibank, Rizal Commercial Banking Corporation, and Unicard (Metrobank) were major issuers of both branded and proprietary credit cards.In the early 1990s, there was a dramatic increase in credit card issuance and the member banks needed a way to expand without expending much capital.