Credit scoring techniques have enabled some card issuers to grow rapidly in the past three years without the typical surge in chargeoffs, according to Standard & Poor's Corp.

Such issuers as Signet Banking Corp. of Richmond, Va., Colonial Bank USA of Claymont, Del., AT&T Universal Card Services of Jacksonville, Fla., and First USA Inc. of Dallas marketed aggressively and grew at roughly double the industry pace, said an S&P analyst, Tanya Azarchs.

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