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The $100 billion market for private-label credit cards is undergoing a sweeping transformation in which the fundamental issues of profitability and control are being challenged. This study examines the response of retailers to monumental issues, including the broad trend to third-party outsourcing, new store card activity among all types of retailers and fledgling attempts to position store card credit instruments in the new world of e-tailing. The most current statistics are provided on market size and growth, along with profiles of major store card retailers and leading payment processors. Also provided are consumer profiles of store card use.

Additional Information

Scope of Study

This study examines the U.S. market for private-label credit cards, with an emphasis on what the trade refers to as “retail cards.” As defined by Packaged Facts, the private-label credit card (PLCC) market includes within its scope all credit card instruments issued directly or indirectly by retailers to creditworthy customers who may use them to purchase goods or services only at outlets bearing the issuing retailer’s name.

Methodology: Evaluation of Five Sources

Packaged Facts-analysis of PLCC market size, growth, and composition is based upon an evaluation of five data sources:

• Reported and estimated receivables of the top 40 retail card issuers;
• Estimated receivables of the leading oil company cards;
• Reports and estimates of market size and growth presented by the Faulkner & Gray Card Industry Directory 2000;
• Reports and estimates presented by government and trade organizations; and
• Historical data analysis conducted in previous studies by Packaged Facts.

Categories Covered:

• Retail
  • JC Penney
  • Sears
  • Montgomery Ward
  • Other Department Stores
  • Clothing/Specialty Store
• Oil
  • Gas/Service Station
• Travel
  • Car Rental Agencies
  • Hotels
  • Airlines
• Corporate Purchasing
• Types of Credit
  • Charge Cards
  • Revolving Credit Cards

Issues Addressed:

• Current and Projected Market Growth
• Factors Affecting Market Growth
• Trends by Demographic Group
• Market Share by Category
• How Card Issuance Affects Market
• Outsourcing and Co-Branding Patterns
• Pros and Cons of Type of Card
• Interest Rates
• Internet Influence

Highlights:

• Store Card Issuers: Retailer vs. Third Parties
• Number of Credit Card Owners/Users by Card Type
• Demographic Characteristics of Credit Card Users

Competitive Profiles:

• Sears, Roebuck & Co.
• GE Card Services
• Household Retail Services USA
• JC Penney Co., Inc.
• The Associates National Bank
• BancOne
• Alliance Data
• First Data
• Total Systems
• FiServ
• Mobil
• Chevron
• Dayton Hudson

Hours of Research: 800

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