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The CARD Act 'has brought a lot of discipline into the business,' says Discover's Mark Graf. 'We don't see folks competing on the basis of doing dumb things with respect to credit or pricing.

As Cardholders Keep Paying on Time, New Normal May Be Emerging

U.S. credit card customers have become so diligent in making their payments that some are beginning to wonder whether the industry has entered a prolonged era of low chargeoffs and low delinquencies.

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