If your bank has a credit card department we would love to know how your department is structured. We are preparing for growth and restructuring and are looking into how other banks have their departments structured. For example: who approves the applications? Are the applications online or hard copies? Is there one person for the bank or one person at each branch, etc. How many employees are in the credit card department, how many handle fraud, collections, etc. Do you do a formal DTI for each application?