Caribbean Credit Card Corporation (4Cs) is an OECS based multi institution processor of credit/debit card transactions. 4Cs was originally formed out of the need for value added services by some members of the CAIB. As a result, 4Cs is jointly owned by some thirteen banks throughout the OECS. A well trained, courteous staff and stable card management system have been key ingredients in 4Cs ability to provide a full range of services at competitive rates to the participating banks.