 In light of credit card balances surging at the highest rate in over 20 years, five credit service companies with high GF Scores and are modestly undervalued based on GF Value are Visa Inc. V , Financial, Mastercard Inc. MA , Financial, Capital One Financial Corp. COF , Financial, Credit Acceptance Corp. CACC , Financial and Regional Management Corp. RM , Financial according to the All-in-One Screener, a Premium feature of GuruFocus. 