Credit card agent issuer TMG Financial Services is marking a decade in business with the development of an advisory services arm. The company’s new Advisory Services suite of products will allow financial institutions and other credit card issuers to take advantage of its team of experts to evolve their own credit card program, said Eric Schurr, chief strategy officer for TMGFS, which is based in Des Moines. The team will apply its knowledge and experience in areas ranging from underwriting and collections to marketing and data analytics to enhance existing credit card portfolios not owned by TMGFS. In its 10 years in business, TMGFS has increased its portfolio to 120,000 credit cards and has $225 million in assets under management. Schurr noted that the migration of consumer purchasing to online has been one of the biggest trends affecting the credit card business in the past decade. E-commerce sales make up nearly 9 percent of overall U.S. sales, up from 3.4 percent in 2007.