Alliance Data Systems (NYSE:ADS) provides private label credit cards along with marketing services and loyalty programs for over 145 brands with 43 million active cardholders. It's been a difficult operating environment for the company given the ongoing structural weakness in the retail industry considering declining brick and mortar traffic and ongoing store closures among a number of major clients. Weak growth and a decline in earnings have sent shares in ADS 44% lower over the past year. That being said, there are some encouraging signs of a turnaround with management offering a positive