Private Label Credit Cards in the U.S., 9th Edition

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Published May 13, 2015 | 123 Pages | Pub ID: LA5552943

Private Label Credit Cards in the U.S., 9th Edition

Packaged Facts provides a concise overview of trends shaping the private label credit cards market, giving you efficient insight into themes and topics taken up in thorough detail. Private Label Credit Cards in the U.S., 9th Edition covers the U.S. market for private label credit cards, emphasizing retail credit card program features and benefits analysis, retail card strategies and growth trends among bank and non-bank issuers, and trend and opportunity spotting.


Trends & Opportunities in the Private Label Credit Cards Market

The retail industry is shifting quickly to mobile, premised on the customer's expectations of getting what they want in an immediate context. These growing demands for consumers convenience are readily apparent in the private label credit card market. The shift to mobile in the private label credit card industry is brought about by a mixture of mobile app technology, customer relationship management advances, geolocational marketing initiatives, and closed loop virtual card payments.

For retailers, private label credit card platforms are increasingly essential for growth (and, sometimes, survival) as part of digital- and mobile-forward customer relationship and loyalty strategies.  As tabulated in this report, pivate label card usage trends are positive, and our proprietary consumer survey research findings indicate that the cards can meaningfully influence in-store payment decisions, retail purchasing, and personal information sharing. Per our analysis of the industry Victoria’s Secret credit card and loyalty program exemplifies the movement to social marketing tactics, while New York & Company is upsetting the apple cart with a mobile app that can transact in-store payments. Technological advances will continue to drive retailer interest in private label card programs, as the movement to virtual private label cards housed within retailer mobile apps foretells the eventual demise of the physical card.



Private Label Credit Cards in the U.S., 9th Edition provides a wealth of actionable insight on trends shaping the resurgent private label credit card industry.  The competitive intelligence in this report specifically includes:
  • Assessing the leading private label credit cards from the following retailers: Best Buy, Express, GameStop, The Gap, J.C. Penney, Kirkland’s, Kohl’s, Lowe’s, Sears, Shell, Target and Victoria’s Secret—to gauge program differentiation and related features and benefits; rewards and loyalty program structure; and online/mobile positioning.
  • Tracking the industry shift to mobile and digital, including mobile credit applications, the central role of mobile apps, mobile payments, multi-tender loyalty programs and enhanced data analytics.
  • Assessing the degree to which a variety of private label credit card features and benefits would incentivize consumers to sign up for a new private label credit card and to use a private label credit card more often.
  • Analyzing consumer shopping behaviors; social media brand & product engagement; and relationship between store card use and retail purchasing & information sharing.
  • Assesses the impact store cards have on the type of payment used at the point of sale; receptivity to promotional marketing; and tendency to act on that marketing.
  • Estimating loans outstanding and purchase value for the U.S. private label credit card industry by issuer for 2014, and a receivables and volume forecast for 2015-2017.
  • Analyzing the U.S. private label card programs operated by North America’s leading financial institutions, including Alliance Data Systems, Citi Retail Services, Capital One, Synchrony Financial Services and Wells Fargo, including growth strategies, private label card purchase value and loans outstanding by retailer, number of retail partners.
  • Trending branded credit card and store card usage penetration, usage in past 30 days, and monthly usage frequency during 2004-2014, including demographic analysis for these metrics.

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      •   U.S. Private Label Credit Card Loans Outstanding & Purchase Value, by Issuer, 2014

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      •   U.S. Credit Card Loans Outstanding & Purchase Value: Synchrony Financial Services, Citi Retail Services & Alliance Data Systems, 2012-2014

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        •   U.S. Private Label & Co-brand Credit Card Loans Outstanding & Purchase Value: Alliance Data Systems, Citi Retail Services & Synchrony Financial Services, 2014
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        •   Share of JCPenney Online Traffic, by Device, 2012-2014
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        •   Sears Card Shop Your Way Rewards
        •   Sears Card VIP Tiers
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        •   Adults Who Shopped at Victoria's Secret in Past Three Months & Past Four Weeks, by Demographic, 2014
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        •   Alliance Data Systems: Q1 2013 Private Label Credit Card Retailers

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        •   Alliance Data Systems, Purchase Value & Loans Outstanding by Major Retail Partner, 2014

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        •   Alliance Data Systems Private Label Revenue, Volume, Receivables and Account Trends, 2009-2014

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        •   Alliance Data Systems: Comenity Bank & Comenity Capital Bank Card Metrics, 2014 (in millions of dollars)

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        •   Capital One Financial Corporation: U.S. Credit Card Purchase Value and Loans Outstanding, 2011-2014

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        •   Capital One Financial Corporation: U.S. Private Label Credit Card Purchase Value, Selected Programs, 2014

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        •   Citi Retail Services Retail Private Label & Co-brand Partners, 2015
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        •   Citibank North American Card Purchase Value & Loans Outstanding: Retail Services vs. Citi-Branded, 2010-2014
        •   Citi Retail Services: Credit Card Purchase Value, Loans Outstanding and Open Accounts, 2010-2014

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        •   Synchrony Financial Services Synchrony Financial Purchase value, Loan Receivables, Accounts and Revenue, by Segment, 2011-2014
        •   Synchrony Financial Services Purchase value, Loan Receivables, Accounts and Revenue, by Segment, Q1 2014 vs. Q1 2015
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        •   Synchrony Financial Services: Major Private Label/Co-brand Retail Partners, 2015

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        •   Synchrony Financial Credit Card Trust Loan Receivables & Account Share, 2015 (in millions of dollars and of accounts)
        •   Synchrony Financial Private Label Credit Card Receivables, by Retail Partner, 2015

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        •   Synchrony Financial Retail Card Purchase Value, Receivables & Partners, 2011-2014 & Q1 2014-2015
        •   Synchrony Bank Credit Card and Loan Metrics, 2014 (in millions of dollars)

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      •   Wells Fargo Retail Private Label & Co-brand Partners, 2015

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        •   Nordstrom Credit Card Metrics Analysis, 2010-2014

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        •   Nordstrom FSB Net Income and Credit Card Interest & Noninterest Income, 2014 (in millions of dollars)

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      •   Sterling Jewelers U.S. Credit Program Metrics, 2011-2015

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        •   Credit Card Usage Past 30 Days: General-Purpose Cards vs. Department Store Cards, 2004-2014

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        •   Credit Card Usage Frequency Share, Department Store Cards vs. General-Purpose Cards, 2004-2014

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        •   General-Purpose & Store Card Usage, Active Usage & Engagement Rate, 2014

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        •   General-Purpose & Store Credit Card Usage & Active Usage, by Demographic, 2014
        •   General-Purpose & Store Card Monthly Usage Frequency, by Demographic, 2014

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        •   Store Card Used the Most: Forms of Payment Used at Store Retailer, by Demographic, 2015

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      •   Store Card User Tendency to Shop More Often at Retailer, by Demographic, 2015

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      •   Store Card User Views on Receiving Promotional Information from Retailer, by Demographic, 2015

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      •   Store Card User Tendency to Act on Receipt of Promotional Information from Retailer, by Demographic, 2015

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        •   Private Label Credit Card Motivators to Apply for Card & Use Card More Often: Users & Active Users, 2015

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        •   Private Label Credit Card Usage Motivators: Non-Active Users, by Gender, 2015

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        •   Private Label Credit Card Usage Motivators: Non-Active Users, by Age, 2015

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        •   Private Label Credit Card Usage Motivators: Non-Active Users, by HH Income, 2015

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        •   Shopping Frequency and Shopping & Social Media Attitudes, by Gender, 2014
        •   Shopping Frequency and Shopping & Social Media Attitudes Among Female Store Credit Card Users, 2014

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