State of U.S. Network-Branded Credit Cards

No matter how you cut it, something big has changed

Abstract: High-level industry data continue to show two faces of the U.S. credit card industry: growing spending but lower lending. Meanwhile, the underlying account base has yet to arise from its postrecession lows. Consumers (as opposed to commercial cardholders) appear to be driving the industry numbers. But where are they taking the industry?

Other recent Credit Advisory Reports recently released:

	The Social Cost of Fraud	May 2012
	David Fish

U.S. E-commerce: Mobile Devices and Alternative Payments Bring Retail Online May 2012 Michael Misasi

Credit Decisioning and Social Media: To Boldly Go . . . Where? March 2012 Ken Paterson

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Mercator Advisory Group is the leading, independent research and advisory services firm exclusively focused on the payments and banking industries. We deliver pragmatic and timely research and advice designed to help our clients uncover the most lucrative opportunities to maximize revenue growth and contain costs. Our clients range from the world's largest payment issuers, acquirers, processors, merchants and associations to leading technology providers and investors. Mercator Advisory Group is also the publisher of the online payments and banking news and information portal PaymentsJournal.com.