Market Overview

Credit Card Data Book: 12 Significant Indicators -


The "The
Credit Card Data Book: 12 Significant Indicators"
report has
been added to's offering.

The research report The Credit Card Data Book: 12 Significant Indicators
finds rising account delinquency and less profitability at credit card
issuers in the United States, which is likely to lead issuers to tighten
credit after a banner growth year.

More U.S. households are revolving credit card debt today than did
before the recession, and contingent liability, the amount of open
credit lines, will pass the previous high during 2018. The author
cautions credit card issuers to be watchful of increases in account
delinquency, which may further disrupt their profitability.

Credit cards remain profitable for retail bankers, but reductions in
non-interest revenue since the Credit Card Accountability Responsibility
and Disclosure Act of 2009 (the CARD Act) have disrupted the business
model. Credit loss protection must be a top consideration for card

Highlights of the research report include:

  • The credit card aging process
  • Revolving debt
  • Open credit card account volume
  • Consumer credit delinquency
  • Bank return on assets
  • Projected interest rates

Key Topics Covered:

1. Executive Summary

2. Introduction

3. Measuring Consumer Credit

4. Credit Risk

5. Credit Card Dynamics

6. External Data

7. Conclusions

Companies Mentioned

  • Bank of American
  • Chase
  • Citi
  • FICO
  • HSBC
  • LexisNexis Risk Solutions
  • Mastercard
  • Visa

For more information about this report visit

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