Credit Management Strategies

No one likes to pick up the phone or get a message about a past-due payment.  We all know debt collection is challenging for both lenders and borrowers. What I’m seeing today is effective engagement strategies make a real difference across the lending lifecycle.  With U.S. household debt at a record $17.79 trillion and traditional collection calls yielding only a 2–3% success rate, it’s clear modern, empathetic, and data-driven tactics are essential. Here are six proven engagement strategies we’re seeing that balance data, empathy, compliance, and scalability: • Leverage Digital Channels: 71% of consumers prefer digital banking, and digital outreach in collections can result in open rates of 50% or higher, compared to less than 3% for phone calls. Email, SMS, and online portals give borrowers control and privacy, reducing stress and stigma. • Personalize Communications: Use advanced analytics to segment borrowers and tailor outreach, adjusting timing, tone, and channel based on customer preferences and payment histories. Hyper-personalized communication increases engagement and repayment rates. • Offer Self-Service Options: Online payment portals and automated reminders empower customers to resolve debts on their own terms, at their convenience, and most importantly, without embarrassment. Recurring payment plans and digital portals help keep borrowers engaged and on track. • Proactively Identify Vulnerable Customers: AI and data analysis can flag early signs of financial stress, enabling proactive, supportive outreach before problems escalate. This approach demonstrates empathy and helps prevent defaults, and builds loyalty among your customer base. • Ensure Regulatory Compliance: Automated systems monitor and enforce compliance across all channels, handling opt-outs and ensuring every message meets legal requirements at scale. This protects both your business and your customer. • Maintain Professional, Empathetic Service: Validate customer concerns, offer flexible solutions, and train staff in empathetic communication. Customers who feel respected and supported are much more likely to engage and repay. Debt collection is hard. Rooted in data, empathy, and compliance, lenders can improve engagement, support their customers, and achieve better outcomes for everyone involved. 

👥 Conversation between Credit Manager & Area Credit Manager: Credit Manager (Amit): “Sir, I’ve rejected three proposals this week. Sales team is upset and says I’m blocking business. Sometimes I feel I’m too strict.” Area Credit Manager (Mr. Mehta): “Amit, rejecting bad files is not being strict — it’s being responsible. Remember, our job is not just to sanction loans but to protect the bank’s money.” Amit: “But sales targets are huge… and they keep calling me negative. Shouldn’t I be a bit flexible?” Mr. Mehta: “Flexibility is fine — but not at the cost of risk. Let me explain 👇” Guidance from Area Credit Manager ✅ Balance Business & Risk “Your role is to ensure the bank grows safely. Growth without risk control creates NPAs. Too much caution means no growth. Find the middle path.” ✅ Don’t Just Reject — Suggest “Instead of outright rejection, guide sales on how the case can work — maybe lower loan amount, higher collateral, or structured repayment. That way, you become a partner, not a blocker.” ✅ Think Long-Term, Not Short-Term “Sales looks at this quarter. You must look at 3–5 years. Every sanction today is a risk tomorrow. Remember, you’ll own the portfolio quality.” ✅ Document Your Decision “Always record why you approved or declined. Tomorrow, if anyone questions, your file should speak for you.” ✅ Build Credibility “When you say yes, it should mean you’ve checked thoroughly. When you say no, it should be respected. That’s how you earn trust in this role.” Amit (Credit Manager): “Sir, this really helps. So, I shouldn’t feel guilty about saying no — as long as I justify it?” Mr. Mehta (Area Credit Manager): “Exactly! A good credit manager is not the one who sanctions the most files… but the one whose portfolio stays healthy.” Lesson: In credit, every decision is about balance — supporting growth while safeguarding risk. A strong credit manager knows when to say yes, and has the courage to say no. #CreditManager #BankingWisdom #RiskManagement #CorporateLife #FinanceTips #Leadership

I have a new client who owes $100,000 in debt. I didn’t suggest throwing every dollar at it. Her debt is the result of a severe cancer battle – far from reckless spending. Now that she’s cancer-free, she’s investing in herself to get back on track asap. Our strategy: 1. Debt plan The average interest rate on her credit card balances is 22.7%. The IRS charges 7% interest on tax balances. She owns a home with ~$150k in equity, so a HELOC will get her at least $50k to use towards the credit card balances. The interest rate will be 6.9% vs. an average of 22.7% across her 7 cards. Much lower rate = Much faster payoff (I don’t recommend HELOCs for everyone. If you misuse debt, this can get you into more trouble. I’m not concerned about that with her.) 2. Tax planning She’s self-employed with no business formation. Her 2025 income will double what she projected, so we discussed LLC vs. S Corp with her CPA and scheduled quarterly payments. 3. Investing Some might say, “This isn’t important right now!” I disagree. Laying the foundation now matters. ➜ Set up the right accounts ➜ Contribute a very small amount (1%) ➜ Establish the discipline now, increase contributions later Tackle the near-term fires AND build for your future security. Once we finished, she said: “You have no idea how much peace this gives me.”

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗻𝗮𝗹𝘆𝘀𝘁𝘀 𝘂𝘀𝗲 𝘁𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗺𝗲𝘁𝗿𝗶𝗰𝘀 𝗔𝗡𝗗 𝗿𝗲𝗮𝗹-𝘁𝗶𝗺𝗲 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝗱𝗮𝘁𝗮. Credit scores, debt service coverage ratios, and audited financials remain cornerstone elements of sound underwriting. These backward-looking metrics provide essential insight into borrower behavior, financial discipline, and historical performance patterns. But experienced credit professionals understand that historical data alone doesn't capture the complete risk picture. Real-time cash flow analysis adds a forward-looking dimension that traditional metrics can't provide. Daily sales receipts, seasonal revenue patterns, and business velocity trends reveal current operational health in ways that quarterly financials miss. The enhancement opportunity lies in combining both approaches for more complete risk assessment: 𝗧𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀: Credit history, debt ratios, collateral values, covenant compliance 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗺𝗲𝗻𝘁: Revenue trends, payment processing data, seasonal patterns, operational metrics This integrated approach reveals insights that neither method captures alone. 𝘈 𝘑𝘶𝘭𝘺 2025 𝘴𝘵𝘶𝘥𝘺 𝘩𝘪𝘨𝘩𝘭𝘪𝘨𝘩𝘵𝘴 𝘸𝘩𝘺 𝘪𝘯𝘵𝘦𝘨𝘳𝘢𝘵𝘪𝘰𝘯 𝘮𝘢𝘵𝘵𝘦𝘳𝘴: 𝘜𝘱𝘴𝘵𝘢𝘳𝘵’𝘴 𝘈𝘐-𝘥𝘳𝘪𝘷𝘦𝘯 𝘮𝘰𝘥𝘦𝘭 𝘢𝘱𝘱𝘳𝘰𝘷𝘦𝘴 44.28% 𝘮𝘰𝘳𝘦 𝘣𝘰𝘳𝘳𝘰𝘸𝘦𝘳𝘴 𝘵𝘩𝘢𝘯 𝘵𝘳𝘢𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘴𝘤𝘰𝘳𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘒𝘢𝘭𝘦𝘪𝘥𝘰𝘧𝘪𝘯 𝘳𝘦𝘱𝘰𝘳𝘵𝘴 20–30% 𝘩𝘪𝘨𝘩𝘦𝘳 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭 𝘳𝘢𝘵𝘦𝘴 𝘵𝘩𝘢𝘯 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥 𝘣𝘶𝘳𝘦𝘢𝘶𝘴 𝘸𝘩𝘪𝘭𝘦 𝘬𝘦𝘦𝘱𝘪𝘯𝘨 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰-𝘢𝘵-𝘳𝘪𝘴𝘬 𝘣𝘦𝘭𝘰𝘸 2%. A borrower with imperfect credit history but strong current cash flow might represent excellent risk-adjusted opportunity. Conversely, a borrower with pristine credit scores but declining operational metrics might warrant additional scrutiny. The most sophisticated lenders don’t choose between traditional underwriting and cash flow analysis. They leverage both for superior risk assessment. Because understanding past behavior matters. Understanding current performance matters more. Understanding both provides the complete picture that drives optimal credit decisions. This isn’t about abandoning proven underwriting principles. It’s about enhancing them with additional data sources that improve decision quality and risk management. The credit professionals who master this integrated approach gain significant competitive advantages in both risk assessment and pricing accuracy. What additional data sources are you incorporating to enhance traditional credit analysis? Source in comments 👇 #CreditAnalysis #Underwriting #RiskManagement #CashFlow #CreditRisk

You might often hear alarming headlines about credit card debt and student loans, but did you know that credit can actually be a powerful tool to advance your financial position? Good credit can open doors to better interest rates, higher credit limits, and even opportunities in housing and employment. On the flip side, bad credit can weigh you down, making it harder to achieve your financial goals. One surprising fact that stood out from our Inspired Money episode "Mastering Credit: Building a Solid Foundation for Financial Health" is that about 70% of credit reports contain serious errors or other mistakes. These errors can negatively impact your credit score, leading to higher interest rates or even credit declines. Good credit can help you in several ways: - Lower Interest Rates: With a higher credit score, lenders see you as less risky, which can help you secure loans and credit cards with lower interest rates. - Higher Credit Limits: Good credit can also allow you to access larger lines of credit, giving you more flexibility for big purchases or emergencies. - Better Housing and Job Opportunities: Many landlords and employers check credit scores as part of their evaluation process. A good credit score can make a positive impression and improve your chances of securing a preferred apartment or job. Tips for Maintaining Good Credit: - Pay Your Bills on Time: Payment history is a significant factor in your credit score. - Keep Balances Low: High credit utilization can negatively affect your credit score. - Monitor Your Credit Reports: Regularly checking your credit reports helps you catch and correct errors that could harm your score. Action Step: Get Your Free Credit Report Given that so many credit reports contain mistakes, it's crucial to review your credit report periodically. You can get a free credit report from credit reporting agencies to check for accuracy and see where you stand. Make sure to dispute any errors you find to help maintain or improve your credit score. Visit: www.annualcreditreport.com Your credit is more than just a number—it's a tool that, when managed well, can help you achieve financial stability and growth. So, take control of your credit today by getting a free report and ensuring your financial health is on the right track. Monitor your credit, manage it wisely, and leverage it to your advantage! What strategies have you found most effective in managing and improving your credit score? Share your thoughts and experiences in the comments. #credit #creditcarddebt #CreditScore #PersonalFinance #FinancialAdvisor

𝐓𝐡𝐞 5 𝐂’𝐬 𝐨𝐟 𝐂𝐫𝐞𝐝𝐢𝐭 – 𝐄𝐯𝐞𝐫𝐲 𝐂𝐫𝐞𝐝𝐢𝐭 𝐌𝐚𝐧𝐚𝐠𝐞𝐫’𝐬 𝐁𝐚𝐜𝐤𝐛𝐨𝐧𝐞 No matter how advanced analytics or AI becomes, the 5 C’s of Credit remain the foundation of sound lending decisions. 𝐇𝐞𝐫𝐞’𝐬 𝐚 𝐪𝐮𝐢𝐜𝐤 𝐫𝐞𝐟𝐫𝐞𝐬𝐡𝐞𝐫 𝐰𝐢𝐭𝐡 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐞𝐱𝐚𝐦𝐩𝐥𝐞𝐬 𝐂𝐡𝐚𝐫𝐚𝐜𝐭𝐞𝐫 – 𝐖𝐢𝐥𝐥 𝐭𝐡𝐞 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫 𝐫𝐞𝐩𝐚𝐲? •Past repayment history •Credit bureau behaviour •Example: A borrower with a 760 CIBIL but frequent past delays still signals risk. 𝐂𝐚𝐩𝐚𝐜𝐢𝐭𝐲 – 𝐂𝐚𝐧 𝐭𝐡𝐞 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫 𝐫𝐞𝐩𝐚𝐲? •Income stability & cash flows •FOIR / DTI analysis •Example: ₹1 lakh monthly income with ₹55k EMIs = stretched capacity. 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 – 𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐬𝐤𝐢𝐧 𝐢𝐧 𝐭𝐡𝐞 𝐠𝐚𝐦𝐞? •Borrower’s own contribution •Net worth & savings •Example: Higher down payment in a home loan shows commitment and reduces risk. 𝐂𝐨𝐥𝐥𝐚𝐭𝐞𝐫𝐚𝐥 – 𝐖𝐡𝐚𝐭 𝐬𝐞𝐜𝐮𝐫𝐞𝐬 𝐭𝐡𝐞 𝐥𝐨𝐚𝐧? •Asset quality & market value •Legal & title clarity •Example: A property in a prime area with clear title lowers credit risk. 𝐂𝐨𝐧𝐝𝐢𝐭𝐢𝐨𝐧𝐬 – 𝐄𝐱𝐭𝐞𝐫𝐧𝐚𝐥 & 𝐩𝐮𝐫𝐩𝐨𝐬𝐞-𝐫𝐞𝐥𝐚𝐭𝐞𝐝 𝐟𝐚𝐜𝐭𝐨𝐫𝐬 •Industry risk & economic cycle •End-use of funds •Example: Lending to MSMEs in a stressed sector needs tighter assessment. 𝐊𝐞𝐲 𝐓𝐚𝐤𝐞𝐚𝐰𝐚𝐲: A good credit decision is never based on just one “C”. Strong lending happens when all 5 C’s align. For credit professionals, mastering these fundamentals matters more than chasing disbursals. Sachin Kumar #CreditManagement #RiskAssessment #Banking #NBFC #CreditPolicy #5CsOfCredit #Lending

Accounts Receivable Management refers to the process of overseeing and managing the outstanding payments a company is owed by its customers. This area of financial management is critical for maintaining cash flow and ensuring that the business can continue to operate smoothly. Effective management of accounts receivable helps a business minimize the risk of bad debts, improve liquidity, and maintain strong customer relationships. Here are some key components: Key Components of Accounts Receivable Management:  1. Credit Policy: Setting clear credit terms (such as the time frame for payment, interest rates for late payments, etc.) for customers. This helps in reducing the risk of non-payment or delayed payments.  2. Invoicing: Ensuring accurate and timely invoices are sent to customers, detailing the amount due, payment terms, and due date.  3. Aging Report: Regularly reviewing an accounts receivable aging report, which categorizes outstanding invoices based on how long they’ve been overdue (e.g., 30, 60, 90 days). This helps identify slow-paying customers and potential collection issues.  4. Collection Strategies: Developing and implementing strategies for following up on overdue accounts, including reminder emails, phone calls, or sending collections letters. Sometimes, escalating to a collections agency or legal action may be necessary for prolonged non-payment.  5. Payment Methods: Offering convenient and secure payment options for customers, such as bank transfers, credit cards, or online payment portals, can encourage timely payment.  6. Bad Debt Provision: Estimating and setting aside a reserve for potential bad debts, which is a portion of accounts receivable considered uncollectible.  7. Cash Flow Forecasting: Monitoring and forecasting cash flow based on accounts receivable can help the business plan for future needs, including expenses, investments, or growth opportunities.  8. Customer Relationship Management: Balancing assertive collection with maintaining good relationships with customers. This helps in reducing conflicts and encourages continued business. Best Practices:  • Clear Communication: Clearly communicate payment terms and expectations upfront with customers to avoid misunderstandings.  • Regular Monitoring: Stay on top of accounts receivable balances and review them frequently to identify potential issues early.  • Leverage Technology: Use accounting software to track invoices, payments, and aging reports automatically.  • Outsource When Needed: In cases where collection efforts are not yielding results, consider working with a collections agency or other third-party services. Proper management of accounts receivable is essential for financial health and operational efficiency, ensuring a company can manage its expenses, growth, and investments effectively.

Ready to Read ℹ️📚 🔍 20 Golden Rules for Credit Managers to Analyse & Review a Case Before Sanction The Art of Smart Credit Decisioning As a Credit Manager, analyzing a case before sanction isn’t just about numbers — it’s about identifying risk, validating intent, and ensuring repayment capability. 1️⃣ Understand the Applicant’s Profile Know the borrower’s background, business nature, and overall credibility. A strong profile often means stable intent. 2️⃣ Verify KYC & Documentation Ensure all documents are genuine, updated, and cross-checked with reliable databases. 3️⃣ Assess Income Stability Analyze income trends — not just current income but past consistency and future visibility. 4️⃣ Evaluate Banking Conduct Review last 12 months’ bank statements for bounced cheques, cash deposits, end balances, and transaction patterns. 5️⃣ Review CIBIL & Credit History Check repayment behaviour, DPDs, total exposure, and enquiry pattern. 6️⃣ Analyze Business Model Understand how the business earns, spends, and sustains — ensures the model supports regular EMI repayment. 7️⃣ Validate Sales & Purchase Patterns Cross-check invoices, GST returns, and bank credits to ensure turnover reflects real business activity. 8️⃣ Calculate True Income Don’t rely only on ITR — adjust for depreciation, non-cash expenses, and hidden incomes. 9️⃣ Check Existing Liabilities Review loan obligations, EMI burden, and debt-to-income ratio before sanctioning new exposure. 🔟 Property / Collateral Verification Check title chain, ownership, valuation, and marketability. Ensure property is free from legal encumbrance. 11️⃣ Site & Residence Visit Observe lifestyle, living standards, and business premises — field verification speaks more than documents. 12️⃣ Personal Discussion (PD) Evaluate borrower’s confidence, clarity, and honesty. A strong PD often reveals repayment intent. 13️⃣ Check Four Boundaries & Legal Docs Ensure property boundaries, possession, and registry details match approved plans and legal papers. 14️⃣ Cash Flow Analysis Match inflow-outflow trends and ensure business cash cycle supports EMI outflow comfortably. 15️⃣ Verify Guarantor / Co-applicant Strength Ensure guarantors have financial capacity and moral responsibility to back the loan. 16️⃣ Red Flag Review Spot warning signs like high unsecured loans, frequent credit enquiries, mismatch in documents, etc. 17️⃣ Compare with Peer Cases Benchmark applicant’s profile, business margins, and repayment capacity with similar cases for sanity check. 18️⃣ Sanction Within Policy Limits Adhere to internal policy — deviation must be justified with logic and risk mitigation. 19️⃣ Risk Mitigation Planning Create fallback options — insurance cover, collateral security, escrow arrangements, etc. 20️⃣ Final Credit Note Summarize all findings logically — highlight strengths, weaknesses, and clear recommendations. #CreditManager #LoanSanction #CreditAnalysis #BankingProfessionals #FinancialRisk #LendingInsights #NBFC

Have you ever considered that debt can be a double-edged sword? It's not about avoiding debt entirely but understanding how to leverage it for growth. 𝗦𝗲𝘁 𝗚𝗼𝗮𝗹𝘀: Understand your debt by distinguishing between good debt, like investments and education, and bad debt, such as credit card and high-interest loans. Create a debt repayment plan to focus on high-interest debts first, and aim for a debt-to-income ratio below 30% to ensure financial stability. 𝗧𝗮𝗸𝗲 𝗔𝗰𝘁𝗶𝗼𝗻: 𝟭. 𝗟𝗶𝘀𝘁 𝗔𝗹𝗹 𝗗𝗲𝗯𝘁𝘀: Write down all your debts, interest rates, and repayment terms to understand the full picture. 𝟮. 𝗣𝗿𝗶𝗼𝗿𝗶𝘁𝗶𝘇𝗲 𝗛𝗶𝗴𝗵-𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗗𝗲𝗯𝘁𝘀: Focus on clearing debts with the highest interest rates first to save money in the long run. 𝟯. 𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝗗𝗲𝗯𝘁 𝗖𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗶𝗼𝗻: If you have multiple debts, look into consolidating them into a single loan with a lower interest rate. 𝟰. 𝗔𝘃𝗼𝗶𝗱 𝗨𝗻𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝘆 𝗕𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴: Only use debt for purposes that can generate returns, such as education or business investments. 𝟱. 𝗦𝘁𝗮𝘆 𝗗𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲𝗱: Stick to your repayment plan, and avoid the temptation of taking on more debt than you can handle.

Collecting money is a pain in the a**. I’ve tried every fancy debt collection system. Nothing works as well as this painfully simple strategy: 𝟭. 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗥𝗲𝗺𝗶𝗻𝗱𝗲𝗿 𝗦𝘆𝘀𝘁𝗲𝗺 Don't let automated messages do the talking. Personalize your reminders with a friendly, human touch. A simple, personalized email or call can make a world of difference in getting those overdue payments settled. 𝟮. 𝗜𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲-𝗕𝗮𝘀𝗲𝗱 𝗥𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 Motivate your clients to pay on time by offering small discounts or benefits for prompt repayments. It's a win-win; they save a bit, and you get your dues faster. 𝟯. 𝗧𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝘁 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗣𝗿𝗼𝘁𝗼𝗰𝗼𝗹 Clear, consistent communication is key. Establish a protocol for transparent communication about debts — it reduces the risk of misunderstandings. Ensure your clients know exactly what they owe and why. 𝟰. 𝗖𝘂𝘀𝘁𝗼𝗺𝗶𝘇𝗲𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝘀 One size doesn't fit all in debt repayment. Tailor payment plans to individual client circumstances. This flexibility often increases the likelihood of repayment and ensures you meet the needs of all clients. 𝟱. 𝗥𝗲𝗮𝗹-𝗧𝗶𝗺𝗲 𝗗𝗲𝗯𝘁 𝗧𝗿𝗮𝗰𝗸𝗶𝗻𝗴 𝗗𝗮𝘀𝗵𝗯𝗼𝗮𝗿𝗱 Use a simple, user-friendly interface where both parties can monitor outstanding debts. It ensures everyone's on the same page and provides an easy way to keep track. 𝟲. 𝗙𝗿𝗲𝗾𝘂𝗲𝗻𝘁 𝗨𝗽𝗱𝗮𝘁𝗲𝘀 In the most non-intrusive way possible, keep clients informed about their debt status with regular updates. These reminders keep the debt on their radar, but it's your job to ensure they're not overbearing. 𝟳. 𝗘𝗺𝗽𝗮𝘁𝗵𝘆 𝗧𝗿𝗮𝗶𝗻𝗶𝗻𝗴 𝗙𝗼𝗿 𝗖𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻 𝗦𝘁𝗮𝗳𝗳 Nobody likes being pestered about their debt. Handling it too aggressively can leave a bad taste in the client's mouth. Train your staff to focus on empathy and understanding. This equips them to preserve client relationships even in tough financial situations. Debt collection doesn't have to be complex or aggressive. This simple strategy has been a game-changer for me. Use it and get that bag!