Now that second-quarter results have confirmed a predicted rise in delinquencies and chargeoffs, credit card issuers are turning to precision marketing to stem the tide.

They had set the machinery in motion 18 months ago, industry observers said, when early indications of credit problems led to changes in underwriting criteria for new cards and more credit.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.