2010 brings a perfect storm to the credit card industry, driven by recession-induced changes that are reshaping its core.

Dallas, TX -- (SBWire) -- 12/13/2010 -- ReportsnReports announce it will carry Rewards Cards in the US, 3rd Edition Market Research Report in its Store.

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2010 brings a perfect storm to the credit card industry, driven by recession-induced changes that are reshaping its core. At the same time, card rewards have become ubiquitous. In the face of some of the most significant changes the credit card industry has ever faced, some argue that rewards programs are simply no longer feasible in an era of constrained revenue and profits. However, as detailed in Packaged Facts’ Rewards Cards in the U.S., it is not a matter of eliminating reward programs, but rather about adapting them to some of the most significant changes the credit card industry has ever faced.

In its most consultative report in the series, this 3rd edition of Rewards Cards in the U.S. helps position industry participants to navigate this reengineering in card rewards by assessing the following industry trends and challenges:

How does continued migration to electronic payments shape the future of rewards?

Which regulatory changes are most relevant to rewards?

Understanding the macroeconomic and credit factors that shape the pool of current and future credit card customers.

How large is this pool of customers?

Does the current credit environment effect migration from credit to debit? Why? How?

Which fee structures are being implemented—or could be implemented—to counteract regulatory change?

How are card issuers’ credit card portfolios adapting to change? How can they share in tapping a smaller pool of cardholders while growing profits?

What will happen to affluent, credit worthy cardholders? Less credit worthy cardholders? How do rewards play a role?

Can rewards help grow transactions and help extend card reach beyond a shrinking consumer base?

How does closed-loop versus open-loop competition and significant industry consolidation affect competition?

What is the fate of co-brand rewards?

Which reward types best fit the needs of specific consumers?

Over the course of the recession, which consumers are active card users? Multiple card users? Transactors? Revolvers? How has this changed over time?

In addition to (or as part of) addressing these issues, this report trends consumer use of credit cards, analyzing usage patterns from 2007 to 2010, identifying specific consumer groups according to active card usage, cards in wallet, and classification as transactors or revolvers. In doing so, Packaged Facts assesses some factors most integral to credit worthiness, including net worth, home value, and HH income.

Rewards Cards in the U.S., 3rd Edition also contains:

In-depth competitive profiles of the associations and major issuers written by industry experts

Selected strategic card players assessments

Comprehensive, holistic assessment of macroeconomic and credit trends

Complete market size and forecast

For a full assessment on how regulatory changes is reshaping consumer banking—and reshaping consumer relationships, preferences, and attitudes about banking—please see Packaged Facts’ upcoming Regulatory Change: Consumer Banking and the New Consumer Relationship.

Chapter 1: Executive Summary
Scope and Methodology
Report Scope
Report Methodology
Macroeconomic Influence on the Credit Card Industry
Consumer confidence helps put brakes on spending
Unemployment picture stabilizes
Housing and equities still down
Consumer Credit Trends
Chipping away at the debt burden
But higher charge-off rates play a role
The banks’ side of the argument: card lending policies tighten
Unused credit lines pulled
Eleven consecutive quarters of credit card tightening
The result: Fewer prospects.
Credit card interest rates increase while banks’ borrowing costs decrease
Consumer Payment Trends: An Overview
Rewards cards in the wallets of more than 75% of credit card users
Cash still the most widely used payment instrument for retail payments
Regulatory Analysis
The CARD Act: Implementation and Response
Regulation E
Dodd-Frank Wall Street Reform and Consumer Protection Act
Bureau of Consumer Financial Protection
The Durbin Amendment
Rewards Card Market Size and Forecast
Rewards Cards to Continue to Build Credit Card Share
Account attrition rampant; rewards no exception
Moving upstream, rewards in tow
A question of degree
And a question of fitting into broader strategy
Rewards card share to grow incrementally through 2013

Rewards Trends, Innovations & Strategies
A Tale of Two Groups: the Affluent and the Young
Why target the affluent? Simple: big card spend; high FICOs
MasterCard rolls out the red carpet
American Express Spins Gold
Chase asks customers to try Sapphire
What about younger consumers?
Debit stalks credit
Trends in Rewards Types
Practicality of cash rewards drives increased consumer interest
JPM Chase Brings Back 5% Cash Back—with caveats
Private Label Cards: Retailers Taking a Second Look?
Co-branding trend runs strong
Small-Business Rewards
Credit cards a fraction of small-business B2B transactions
Debit Rewards
Debit Rewards Gaining Traction
Cash back debit cards on the rise
Rewards Profiles
Bank of America
Reward Cards Offerings
2010 Card Strategy
Wells Fargo & Company
Rewards Cards
Capital One Financial
Entrance into Reward Cards & Offerings
Discover Financial Services
Network and Card Initiatives
Rewards Cards
Rewards Snapshots: MasterCard and Visa
Co-branding and Premier Rewards
Relationship Rewards Construct
Card counts drop precipitously
Visa
Visa’s Three-tiered Consumer Credit Platform
Consumer Credit Card Usage Trends
Credit card use dips
MasterCard credit card use drops the most and American Express the least
American Express cardholders report highest level of engagement
But cardholder engagement also drops over time
Among full-time employed, credit card use is stable
But engagement differentiates “Big “Four”
And engagement trends suggest credit card pullback
Swimming upstream: assessing higher-HH-income brackets
MasterCard engagement highest among $150K+ HH income consumers
Discover card engagement falls ten percentage points during 2007-2010
American Express Blue at 12.4 million mark
Discover card accounts at about 31 million
MasterCard Consumer Credit Card Use & Engagement
Visa Consumer Credit Card Use & Engagement
Co-Brand Usage Trends, Big Four

Chapter 2: Macroeconomic Influences, Regulations and the Rewards Card Market
Consumer confidence helps put brakes on spending
Current perceptions of business conditions, job prospects darken
Expectations Index dips as job prospect optimism dims
Unemployment picture stabilizes
Figure 2-1: Unemployment Rate and Consumer Confidence, 2007-2010
Unemployment picture affects some more than others
Unemployment rate among less educated jumps five percentage points
Credit worthiness suffers
Young adults in a bind
Table 2-1: Unemployment Rate, Selected Demographics, 2007-2010 (%)
Black and Hispanic consumers also more likely to be affected
How can increasing personal savings and reducing the debt burden be bad?
Unemployment and GPD forecast
Slow employment rebound to coincide with a slow rebound in consumer spending
Table 2-2: Unemployment and GDP Forecast, 2010-2012
Stock & housing declines deflate household wealth; rebound to record 2006 levels a long way off
Q1 2009 to Q1 2010 sees uptick in household wealth, but still $10 trillion off 2006 high
Table 2-3: Household Net Worth, 2005-2010 (in trillions of $)
Case-Shiller and FOMC housing pessimism
Table 2-4: Household owners' equity in real estate as a percentage of households owner-occupied real estate, 2003-2010 (%)
Q2 2010 summary equities analysis
Figure 2-2: Wealth Effect: Wilshire 5000 and Case Shiller Index, 2007-2010

Regulatory Analysis
The CARD Act: Implementation and Response
Card Act - Stage I - August 2009
Card Act - Stage II - February 2010
Card Act - Stage III - August 2010
Ramifications of the CARD Act
Cost to banks in the billions
Making up the difference
Regulation E
Dodd-Frank Wall Street Reform and Consumer Protection Act
Bureau of Consumer Financial Protection
The Durbin Amendment
Fees
Reasonable and proportional

Market Size & Growth
Rewards Cards to Continue to Build Credit Card Share
Account attrition rampant; rewards no exception
Moving upstream, rewards in tow
A question of degree
And a question of fitting into broader strategy
Rewards card share to grow incrementally through 2013
Table 2-5: Rewards Cards, Percentage Share of Credit Cards, 2005-2013
The Backdrop: Credit Card Market Size
Table 2-6: Credit Card Accounts, Big Four, 2005-2009
Table 2-7: Credit Cards in Force, Big Four, 2005-2009
Table 2-8: Credit Card Payments Volume, Big Four, 2005-2009

Chapter 3: Consumer Credit Trends
Chipping away at the debt burden
Consumer credit and home mortgage debt rates on the decline
Figure 3-1: Consumer Debt Burden, 2000-2010
Debt service ratios peak at onset of 2008 and decline thereafter
Figure 3-2: Savings Rate & Debt Service Ratio & Financial Obligations Ratio, 2007-2010
Revolving credit trends in focus
Figure 3-3: Consumer Revolving and Non-Revolving Debt Trends, 2004-2010
But higher charge-off rates play a role
Figure 3-4: Credit Card Charge-off Rates, Top 100 Banks, 2005-2010
The banks’ side of the argument: card lending policies tighten
Unused credit lines pulled
Eleven consecutive quarters of credit card tightening
The result: Fewer prospects
Figure 3-5: Credit Card Loan Tightening, Top 100 Banks, 2007-2010
Credit card interest rates increase while banks’ borrowing costs decrease
Federal funds target rate at historical lows
Profit margins breathe easier
Figure 3-6: Consumer Auto, Personal and Credit Card Loan Interest Rates, 2004-2010
Card Portfolios Reflect Consumer & Issuer Behavior
American Express charge-off trends reflect a more affluent, creditworthy consumer
Figure 3-7: Charge-Off Rates, Big Six, Q1 2009-Q1 2010
Bank America credit card delinquency rates twice as high as AMEX rates
Figure 3-8: Delinquency Rates, Big Six, Q1 2009-Q1 2010
Big Six Issuers: Loan Balances and Purchase Volume, Q1 2009-Q1 2010
Figure 3-9: Card Loan Balances, Big Six, Q1 2009-Q1 2010
Figure 3-10: Purchase Volume, Big Six, Q1 2009-Q1 2010

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