This Packaged Facts report focuses on the $95 billion dollar private-label credit card industry, covering retail and oil company cards, card issuers, acquirers, and processors.

The report first provides an overview of the players in the industry- acquirers/issuers and processors- and then discusses current trends including risk management, new card technology, electronic payment patterns, and consolidations. The report next quantifies the private-label credit card market, covering market size and composition for 1998-2002.

An analysis of factors to market growth- including the increasing importance of economies of scale in private label and the resulting alliances, the Internet, emerging market opportunities, and the rapid proliferation of competition in new payment methods- establishes a framework for market growth projections for 2002-2007.

Also provided are detailed company profiles of the leading retailer, oil, and third-party card issuers, as well as demographic data on private-label cardholders, focusing on characteristics such as gender and education and income levels.

Private-label credit cards can be a difficult market - credit risks tend to be higher than in the general-purpose card market, and competition in a saturated card market is increasingly stiff. Yet retailers and card issuers remain in private-label because those risks are often countered by both profit and benefits, such as access to valuable customer purchase data. Learn why some retailers have recently given up, closed, or sold their private-label programs while others have persisted and profited, and why. Find valuable insights for adapting new technology and trends to credit operations and for keeping up with the factors that affect continued expansion in this changing market.

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