Applied Card Systems is the servicing arm for subprime consumer lender Cross Country Bank, which issues secured and unsecured credit cards to customers with dubious or limited credit histories. Applied Card Systems processes payments from and provides customer service to holders of subprime Visa and MasterCard accounts from offices in Florida, Pennsylvania, and West Virginia. Applied Card Systems also services credit card accounts for third-party issuers. Chairman Rocco Abessinio is the founder of both Applied Card Systems and Cross Country Bank.