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Private Label Credit Cards in the U.S., 7th Edition


Attention: There is an updated edition available for this report.

Interesting times are ahead, according to the Packaged Facts report, Private Label Credit Cards in the U.S., 7th Edition. As America continues to struggle with an economy in hyper-flux, the private label card industry has stabilized the free-fall seen in the 2007-2010 period, setting the stage for future growth. With essentially all portfolios now being managed by third parties, improved credit quality and declining charge-offs, and indicators that consumer retail sales are picking up, issuers and retailers are focusing on their respective strengths moving forward.

There will still be hiccups in a return to growth but Packaged Facts forecasts receivables for private label card programs to reach $152 billion by 2015. While not to the levels seen pre-recession of $156 billion in 2007, the market should be cautiously optimistic. The future will still see many challenges but hopefully the good kind—such as how to integrate mobile technologies in to private label programs.

Aside from tracking receivables on an annual basis, to put the market in better context, several new metrics have been included to Private Label Credit Cards in the U.S., 7th Edition. These include:

  • U.S. General Purpose and Private Label Card Purchase Volumes and Share of Total General-Purpose Credit and Debit Card Purchase Volume

  • U.S. Private Label Card Usage Among U.S. Adults and Share of Total Credit Usage in the Past 12 Months

  • Average Amount Spent per U.S. Adult on Private Label Cards in the Past 12 Months

  • Annual U.S. Private Label Card End-of-Period Receivables and Consumer Revolving Credit Outstanding and Share of Total Consumer Revolving Credit Outstanding

  • U.S. Private Label Card Purchase Volume and Receivables on Cards by Third-Party Issuers and In-house Issuers by Share of Total Private Label Purchase Volume

  • Plus all new extended year-over-year coverage of key players’ individual receivables, retailers most important to the private label credit card market, and a discussion of top trends emerging in a digital marketplace, such as customer service in a YouTube world and the emerging mobile payment technologies.

Report Scope

This Packaged Facts report presents data and analysis on the private label retail card industry in the United States for the 2006-2010 period with forecasts through 2015. The report analyzes the size and growth of the market using several key metrics including purchase volume and receivables, as well as covering trends and factors that affect the industry. Included is an analysis of the retail sector with particular focus on segments within which private label card programs are most used. In addition, competitive activity among issuers is presented and key competitors are profiled. Also included is an extensive analysis of consumer preferences, usage and demographics for various private label card types and programs.

Methodology

These report data were obtained from various public and private sources including government sources, trade associations and publications, business journals, company literature, investment reports and interviews of industry players. For instances where data was unavailable for certain metrics, Packaged Facts either estimated figures or presented a shorter period.

The market for private label cards was derived primarily from an analysis of leading private label card issuers including banks, financial service firms and retailers. Primary sources included corporate SEC filings and supplemental reports on a quarterly and annual basis. Other major sources for market and supporting data included The Board of Governors of the Federal Reserve and the regional reserve banks, The U.S. Census Bureau, The U.S. Bureau of Economic Analysis, The U.S. Department of Labor, and Experian Simmons Market Research Bureau.


  • Executive Summary
    • Scope of Report
    • Methodology
    • Private Label Cards Market and Growth
      • Private Label Card Spending Down 14% in 2010
      • Large Private Label Programs Suffer the Most
      • Total U.S. Private label Card Receivables
      • Large Declines in Receivables For Many Major Players
      • Private Label Cards Market Forecast
        • Table U.S. Private Label Card Purchase Volume and Receivables Purchase Volume, 2010-2015 (in billions of dollars)
      • Factors Affecting Growth
    • Competitive Landscape
      • Receivables by Issuer
        • Table U.S. Private Label Card End-of-Period Receivables by Issuer, 2006-2010 (in billions of dollars)
      • Purchase Volume by Issuer
        • Table U.S. Private label Card Purchase Volume by Issuer, 2006-2010 (in billions of dollars)
      • Private Label's Core Retail Categories
      • Core Retail Group Sales Performance
      • Top 30 Private Label Card Retailers Accounted for 50% of Core Group Retail
        • Table Top 30 U.S. Private Label Card Retailers by Net Sales, 2009-2010 (in billions U.S. $)
      • Top Private Label Card Retailers Programs and Their Issuers
    • The Consumer
      • 61 Million American Adults Have a Private Label Credit Card
      • Usage Rates for All Private Label Credit Cards Declining
        • Table Year over Year Usage of Selected Credit Card Classifications, Fall 2007-Winter 2011 (percentage of U.S. adults)
      • Private Label Usage Increases with Age
      • Twice as Many Women Use Private Label Credit Cards
      • Private Label Credit Card Usage Higher among Whites and Asians
      • Higher Income Equals Greater Usage
      • Smaller households are more frequent users of store cards
      • Top Demographics of Private Label Cardholders Established, Female and Northeastern
        • Table Indices for Use of Any Private Label Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
    • Trends and Opportunities
      • Cautiously Higher Expectations for Economy Get Dashed
      • Possibility of Double-Dip Recession
      • For Private Label Credit Cards, Good and Bad
      • New Legislation Will Restrict Credit Card Industry
      • Contract Negotiations and Consumer Offerings Affected by New Regulations
      • A Happier Credit Consumer Follows
      • Store Cards as Loyalty Cards
      • Retaining Happy Customers Key
      • Customers More Empowered
      • Older, Richer, Smaller Households Strongest Target Group
      • Maximize Online Store Card Use
      • Challenge from Alternative Payments Sector
      • Payment Options: Easy and Green
      • Developing New Markets
      • Fraud Top of Mind
      • How Mobile Changed Retail
  • The Market: Highlights
  • The Market
    • Scope of Report
    • Methodology
    • Private Label Card Basics
    • Major Retailer Benefits: Usable Data and Customer Loyalty
    • Major Cardholder Benefit: Buying Power
    • Total Credit and Debit Card Market and Growth
      • Total U.S. Card Growth Hits Great Recession Bump in the Road
      • Card Spending Captures Largest Share of Consumer Spending
      • Greatest Card Growth Seen in 2007
      • Slowing Economy Slows Purchase Volume Growth
      • Total Card Purchase Volume Sees Its First Decline
      • Overall Growth Modest, Penetration Increase Impressive
    • Private Label Cards Market and Growth
      • Total U.S. Private Label Card Purchasing
      • Large Private Label Programs Suffer the Most
      • Smaller Programs, Specialty Retailers See Growth
      • Overall Growth Only Seen in 2007
      • Private Label Card Spending Hit Harder Faster Than General Purpose Cards
      • Spending Declines Accelerate in 2009
      • Penetration Rate Falls 2.9 Percentage Points
      • General Purpose Card Performance Contrast
        • Table U.S. General Purpose and Private Label Card Purchase Volumes and Year-over-Year Percentage Change, 2006-2010 (in billions of dollars)
      • Fewer U.S. Adults Using Private Label Cards
      • Average Private Label Card Spending down 15% Since 2007
      • Total U.S. Consumer Revolving Credit Outstanding
      • Total U.S. Private Label Card Receivables
      • Large Declines in Receivables for Many Major Players
      • Some Bright Spots among Smaller Issuers in 2010
      • Receivables Growth at Its Apex in 2007
      • Recession Accelerates Receivables Decline
        • Table U.S. Private label Card End-of-Period Receivables and Consumer Revolving Credit Outstanding and Year-over-Year Percentage Change, 2006-2010 (in billions of dollars)
      • Private Label Card Receivables Lose Share Among Total Consumer Card Debt
      • Total U.S. Third-Party Private Label Card Purchase Volume
      • Total U.S. In-House Private Label Card Purchase Volume
        • Table U.S. Private Label Card Purchase Volume by Issuer Type (Third Party, In-house) and Year-over-Year Percentage Change, 2006-2010 (in millions of dollars)
      • Total U.S. Third-Party Private Label Card Receivables
      • Total U.S. In-House Private Label Card Receivables
        • Table U.S. Private Label Card End-of-Period Receivables by Manager Type (Third Party, Inhouse) and Year-over-Year Percentage Change, 2006-2010 (in millions of dollars)
    • Private Label Cards Market Forecast
      • Total U.S. Private Label Card Purchasing
      • Growth in 2011 Down
      • Snap Back in 2012
        • Table U.S. General Purpose and Private Label Card Purchase Volumes and Year-over-Year Percentage Change, 2010-2015 (in billions of dollars)
      • Total U.S. Private Label Card Receivables
        • Table U.S. Private Label Card End-of-Period Receivables and Consumer Revolving Credit Outstanding and Year-over-Year Percentage Change, 2010-2015 (in millions of dollars)
      • Factors Affecting Growth
      • Economic Factors Weigh Heavily
      • Job Growth Quality Falters
      • Consumer Sentiment Plummets
      • Disposable Income Slowing, Personal Savings Rising
      • Greater Numbers of Retirees to Spend Less
      • Private label Card Product Challenges
      • New Payment Options Pose Increased Competition
      • Retail Segments Related to the Home to See Delayed Rebound
      • Certain Channels Losing Customers to General Merchandise Stores, Online Retail
  • Competitive Landscape: Highlights
  • Competitive Landscape
    • Private Label Card Issuers
    • Receivables by Issuer
    • Citibank Receivables Continue to Shrink
    • No One to Buy Citibank's Portfolio
    • GE Capital Retail Finance Focuses on the U.S.
    • HSBC Finance Receivables Down 12%
    • Capital One Buys HSBC, Becomes Private Label Card Powerhouse
    • JPMorgan Chase Halves Portfolio
      • Table U.S. Private Label Card End-of-Period Receivables by Issuer, 2006-2010 (in billions of dollars)
      • Table U.S. Private Label Card End-of-Period Receivables Percentage Change by Issuer, 2007-2010 (%)
    • Alliance Data Systems Receivables Rise
    • Smaller, Independent Issuers Fare Better
    • Who Will Buy Target's Program
    • Target to Go North
    • Will Nordstrom, Signet Sell Out?
    • Two Independents, Two Different Card Programs
    • Nordstrom Potentially Less Risky, Signet Potentially More Profitable
    • Purchase Volume by Issuer
    • Gas Price Volatility Affects Purchase Volume
    • Citibank Purchase Volume Down
    • Alliance Data's Purchase Volume Rebounds
    • Target's Focus on REDCard Lifts Purchase Volume
    • Cato Fashions Moving Away from Private Label Cards?
      • Table U.S. Private Label Card Purchase Volume by Issuer, 2006-2010 (in billions of dollars)
      • Table U.S. Private Label Card End-of-Period Receivables Percentage Change by Issuer, 2007-2010 (%)
    • Private Label Card Retail
      • Private Label's Core Retail Categories
      • General Merchandise Stores
      • Building Material Stores
      • Clothing & Accessory Stores
      • Electronics & Appliance Stores
      • Furniture & Home Furnishing Stores
      • Sporting Goods, Hobby, Book, and Music Stores
      • Office Supply Stores
      • Non-Core Retailer Categories
      • Core Retail Group Sales Performance
        • Table Total U.S. Retail Sales by Core Private Label Card Category, 2006-2010 (in billions of dollars)
      • Ecommerce May Be the Place to Be
        • Table Total U.S. Retail Sales by Core Private Label Category including Ecommerce and Mail Order, 2006-2010 (in billions of dollars)
      • Top 30 Private Label Card Retailers
      • Wal-Mart the Heavyweight, Target a Distant No.2
      • Costco Quietly Grows
      • Big Box Store Receivables Trend
      • Home Depot and Lowe's Are Big Players
      • Home Depot Private Label Volume Declines Amidst Total Sales Growth
      • Best Buy Leads Electronic Stores
        • Table Top 30 U.S. Private Label Card Retailers by Net Sales, 2009-2010 (in billions U.S. $)
      • Issuer Focus: GE Capital's Retailer Receivables
      • Wal-Mart's Receivable Growth Comes from Co-Brand Card, Private Label Flat
      • JCPenney Receivables Decline 12% from High, Modestly for Period
      • Declines Concentrated in Lowe's, Dillard's
        • Table Selected GE Money Bank Retailer Card Receivables (Securitized), 2006-2010 (in billions U.S. $)
      • Top Private Label Card Retailers Programs and Their Issuers
        • Table Leading Retailer Private Label Card Programs, 2011
  • Competitor Profiles: Highlights
  • Competitor Profiles
    • Competitor Profile: Citi Retail Services (Citigroup, Inc.)
      • Focus on Credit Quality Results in Lower Delinquencies
      • Profitable Retail Partner Cards Division
        • Table Citigroup, Selected Private Label Credit Card Agreements, 2010-2011
      • Performance and Outlook
    • Competitor Profile: GE Capital Retail Finance (General Electric Co.)
      • GE Capital Scales Down Operations
      • GE Streamlines U.S. Credit Card Portfolio
      • New Accounts and Account Extensions
        • Table GE Retail Capital Finance, Selected Private Label Credit Card Agreements, 2010-2011
      • GE Capital Back in the Red as Losses and Impairments Declined
    • Competitor Profile: HSBC Retail Services (HSBC Finance Corp.)
      • HSBC Announces Sale of Credit Card Business to Capital One
        • Table HSBC, Selected Private Label Credit Card Agreements, 2010-2011
      • Loss of Merchant Relationships and Higher Impairments Impact Results
    • Competitor Profile: Capital One Financial
      • Capital One's Position in Private Label Cards Growing Strong
        • Table Capital One, Selected Private Label Credit Card Agreements, 2010-2011
      • Growth to be Driven by Acquisitions
    • Competitor Profile: JPMorgan Chase
      • JPMorgan Chase Divests Major Asset to Capital One
      • Performance and Outlook
    • Competitor Profile: Alliance Data
      • "Born from Retail"
      • Aggressive Investments during Downturn Drives Growth
        • Table Alliance Data, Selected Private Label Credit Card Agreements, 2010-2011
      • Performance and Outlook
    • Competitor Profile: Wells Fargo Retail Services
      • Table Wells Fargo, Selected Private Label Credit Card Agreements, 2010-2011
      • Performance and Outlook
    • Competitor Profile: The Army & Air Force Exchange Service The Exchange)
    • Competitor Profile: TD Retail Card Services
      • TD Retail Targets Home and Jewelry Retailers
        • Table TD Retail, Selected Private Label Credit Card Agreements, 2010-2011
      • Performance and Outlook
    • Competitor Retailer Profile: Target Financial Services (Target Corp.)
    • Target Credit Card Goes Exclusive
      • Target Credit Card 5% Discount
    • Target Puts Credit Card Receivables Up for Sale
      • Performance and Outlook
    • Competitor Retailer Profile: Signet Jewelers Limited
      • Performance and Outlook
    • Competitor Retailer Profile: Nordstrom Inc.
      • Rewards Program Drives Sales
      • Nordstrom Has No Plans to Sell Card Business
      • Performance and Outlook
    • Competitor Profile: Cato Fashions (Cato Corp.)
      • Performance and Outlook
  • The Consumer: Highlights
  • The Consumer
    • Methodology
    • The Private Label Cardholder Categories
    • 61 Million American Adults Have a Private Label Credit Card
    • Private Label Monthly Card Usage Is Low
      • Table Penetration and Usage Rates: Selected Credit Card Classifications, 2011 (U.S. adults)
    • Monthly Card Usage Down Significantly Since 2008
      • Table Percentage of Cardholders by Classification Who Have or Use Cards Monthly: Selected Credit Card Classifications, 2011 vs 2008 (U.S. adults who have a credit card)
    • Usage Rates for All Private Label Credit Cards Declining
      • Table Year over Year Usage of Selected Credit Card Classifications, Fall 2007-Winter 2011 (percentage of U.S. adults)
    • Hard Numbers a Harsh Reality
      • Table Year over Year Usage of Selected Credit Card Classifications, Fall 2007-Winter 2011 (number of U.S. adults, in thousands)
    • Private Label Cardholders More Likely to Carry a Balance
    • Incentives Driving Private label Card Usage
    • Kohl's Card Has Highest Penetration
    • Consumer Focus: Cardholder Demographics
      • Private label Usage Increase with Age
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, by Age of Consumer, 2011 (percentage of U.S. adults)
      • Consumers 45+ Use Department Store Cards More Than Average
        • Table Indices for Use of Selected Credit Card Classifications, By Age of Consumer, 2011 (U.S. Adults)
      • Twice as Many Women Use Private Label Credit Cards
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, by Gender of Consumer, 2011 (percent of U.S. adults)
      • Indices Highlight Women's Greater Than Average Association with Private Label
        • Table Indices for Use of Credit Cards in the Last Year: Selected Credit Card Classifications, by Gender of Consumer, 2011 (U.S. Adults)
      • Private Label Credit Card Usage Higher among Whites and Asians
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, By Race/Ethnicity of Consumer, 2011 (U.S. adults)
      • Whites Use Store Cards at Rates Significantly Above the Norm
        • Table Indices for Use of Credit Cards in the Last Year: Selected Credit Card Classifications, By Race/Ethnicity of Consumer, 2011 (U.S. Adults)
      • Northeast and Central U.S. See Slightly Higher Usage Generally
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, by Region of Consumer, 2011 (percent of U.S. adults)
      • Northeast More Inclined toward Clothing/Specialty Card
        • Table Indices of Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, by Region of Consumer, 2011 (U.S. adults)
      • Higher Income Equals Greater Usage
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, by Household Income of Consumer, 2011 (percent of U.S. adults)
      • Consumers with Household Incomes of $75,000+ Favor Clothing/Specialty Stores
        • Table Indices for Use of Credit Cards in the Last Year: Selected Credit Card Classifications, by Income of Consumer, 2011 (U.S. adults)
      • Smaller households are more frequent users of store cards
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, by Household Size, 2011 (U.S. adults)
      • In Larger Households, Store Cards Use Drops Dramatically
        • Table Indices for Use of Selected Credit Card Classifications in Last Year, By Household Size, 2011 (U.S. Adults)
      • Top Demographic Characteristics by Classification
        • Table Indices for Use of Any Credit Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
      • Private Label Card Holders Established, Female and Northeastern
        • Table Indices for Use of Any Private label Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
      • All Other Classifications Follow Similar Profile, with a Few Differences
        • Table Indices for Use of Any Private label Credit Card, Excluding Gas, in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of Any Department Store Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of Sears or JCPenney Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of Other Department Store Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of Sears Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of JCPenney Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of Gas Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
        • Table Indices for Use of Clothing/Specialty Store Card in Last Month, Select Demographic Characteristics, 2011 (U.S. Adults)
    • Consumer Focus: Cardholder Attitudes
      • Private Label Card Users Disinclined to Pay Cash
        • Table Indices by Private label Credit Card Classification for Agreement with Statement: "I Often Prefer To Pay Cash For The Things I Buy," 2011 (U.S. adults)
      • Department Store Cardholders Careful Stewards of Their Money
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I'm Careful With My Money," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I'm Very Good at Managing Money," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I'm No Good At Saving Money," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Tend To Spend Money Without Thinking," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Don't Like The Idea Of Being In Debt," 2011 (U.S. adults)
      • Shopping Is Enjoyable for Private label Card Users
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Really Enjoy Any Kind Of Shopping," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Go Shopping Frequently," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "When I Shop I Visit A Variety Of Stores," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Only Go Shopping To Buy Something I Really Need," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "When Shopping, I Get What I Want And Leave," 2011 (U.S. adults)
      • Shopping Is Not a Social Occasion
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Prefer To Go Shopping Alone," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Prefer To Shop With My Friends," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Prefer To Shop With My Family," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "When Shopping With Others, I Prefer Splitting Up," 2011 (U.S. adults)
      • Clothing/Specialty Often Distinct from Other Card Holders
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Use The Internet To Help Plan Shopping Trips," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Will Travel Up To An Hour Or More To Shop At Favorite Store," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I'm Usually Willing To Shop New Stores," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Usually Am The First Among My Friends To Shop At A New Store," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Prefer Shopping At Specialty Stores Because They Tend To Carry The Best Brands," 2011 (U.S. adults)
      • Department Store Card Users Prefer Made in U.S.A
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Buy Goods Produced By My Own Country When I Can," 2011 (U.S. adults)
      • Conflicting Sentiments on Price and Sales
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I'm Drawn To Specific Stores; Don't Shop By Sales," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Head Right To The Clearance Rack When I Enter A Store," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Will Travel An Hour Or More To Factory Outlet Stores," 2011 (U.S. adults)
      • Methodical Shoppers Dominate
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Tend To Spend Long Periods Of Time In Store Browsing," 2011 (U.S. adults)
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Prefer To Buy Things On The Spur Of The Moment," 2011 (U.S. adults)
  • Trends and Opportunities: Highlights
  • Trends and Opportunities
    • The Economy Takes a Licking
      • For Private Label Credit Cards, Good and Bad
    • PCE, Card Spending Recover, PL Cards Suffer
      • Card Spending Rebounds (Mostly)
    • Consumer Sentiment Foretells Lower Consumer Spending
      • Summer 2008 CSI Lowest Since 1980
      • As CSI Declined, Unemployment Rose
      • In Private Label Cards, Consumer Sentiment Closer to Real Time
      • Signs of Economic Improvement by 2010-2011
      • Cautiously Higher Expectations Get Dashed
      • Possibility of Double-Dip Recession
    • What Does It All Mean for Private Label Cards?
      • Retail Sales Growth Rebounded in 2010 but Barely to 2005 Levels
      • Online Retail Sales More Robust
    • Economic Downturn Dampens Americans' Sense of Financial Security
    • New Legislation Will Restrict Credit Card Industry
      • Table Key Provisions of the Credit Card: Accountability, Responsibility and Disclosure (CARD) Act of 2009
      • Federal Reserve Clarifications May be Disruptive
      • Contract Negotiations Influenced by New Regulations
      • Consumer Offerings Also Affected
    • A Happier Credit Consumer Follows
      • Gingerly Generate Revenue through Fees
      • In Future, Store Cards Closer to Loyalty Cards
      • Target Program Positive Example of Future Card Strategies
      • Retaining Customers Key
    • Customer Service Critical in Current Circumstances
      • Customers More Irritated and More Empowered
      • "Evil, Thieving Bastards"
      • Big Names Warn Consumers
      • Suze Orman on Oprah
      • Representative Weiner's Yearly Report
        • Table Selected Retailer Credit Card Rates in New York City, November 2010 (percent)
    • Older, Richer, Smaller Households Strongest Target Group
      • Table Indices for Use of Selected Credit Card Classifications, by Persons Aged 45-54, Persons Aged 55-64, and Persons Aged 65+, 2011 (U.S. Adults)
      • Table Indices for Use of Selected Credit Card Classifications, by Women, 2011 (U.S. Adults)
      • Table Indices for Use of Selected Credit Card Classifications, by Whites, 2011 (U.S. Adults)
      • Table Indices for Use of Selected Credit Card Classifications, by Residents of the Northeast, 2011 (U.S. Adults)
      • Table Indices for Use of Selected Credit Card Classifications, by Households with Incomes of $75,000-$99,999, $100,000-$149,999, and $150,000+, 2011 (U.S. Adults)
      • Table Indices for Use of Selected Credit Card Classifications, by One- and Two-Person Households, 2011 (U.S. Adults)
      • Asian Consumers Heavy Credit Card Users
        • Table Usage of Credit Cards in the Last Year: Selected Credit Card Classifications, By Race/Ethnicity of Consumer, 2011 (U.S. adults)
        • Table Indices for Use of Credit Cards in the Last Year: Selected Credit Card Classifications, By Race/Ethnicity of Consumer, 2011 (U.S. Adults)
      • Clothing/Specialty Store Cardholders Under-Utilized Target
        • Table Indices for Agreement with Selected Statements on Attitudes Toward Money and Shopping, 2011 (U.S. adults who have a clothing/specialty store credit card)
    • Maximize Online Store Card Use
      • Consider Aggregating
      • Private Label Cardholders Likelier to Shop Online
        • Table Indices by Private Label Credit Card Classification for Agreement with Statement: "I Am Doing More Shopping On The Internet Than Before," 2011 (U.S. adults)
      • Clothing/Specialty/Department Store Cardholders: Online Due Diligence
        • Table Indices by Private label Credit Card Classification for Agreement with Statement: "I Use The Internet To Help Plan Shopping Trips," 2011 (U.S. adults)
      • Online Retail Looking Up Post-Recession
      • Challenge from Alternative Payments Sector
      • Opportunity to Tie-In Private label and Online Retail
        • Table Stores Magazine's Favorite 50 Online Retailers, Top 20, September 2011
      • Plus Size Retailers Get It
    • Payment Options: Easy and Accessible
      • Table Consumer Bill Pay Preferences: Methods Used, 2007-2010 (%)
      • Greener Attitudes Want Less Paper
    • Developing New Markets
    • Fraud Top of Mind
      • Table Indices by Private label Credit Card Classification for Agreement with Statement: "I am Concerned about Identity Theft," 2011 (U.S. adults)
    • How Mobile Changed Retail
      • A Smartphone in Every Pocket
      • Smartphones Changing Consumer Shopping Patterns
      • Convergence of Offline and Online Retail
      • Retails and Consumers Dabbling with Mobile
      • A New World for Private Label Retail Payments
      • Trouble for Card Issuers?
    • Americans Adapting New Normal

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