WILMINGTON, Del. - Beneficial National Bank USA, a private-label credit card specialist, grew to $1.6 billion in receivables at the end of last year.

Beneficial National provides financial services to the customers of national and regional retailers. Through a product called Infoflash, it claims to be the only U.S. credit card bank with a proprietary data base to assist retailers in creating targeted marketing programs and otherwise improving profitability.

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