NextCard Inc., considered one of the rising stars in credit cards since it appeared on the scene in 1997, proved last week that it can continue to dazzle: Its financial results and projections sent its stock soaring, and the company introduced more products that seem to outshine the competition.

NextCard, which offers a general-purpose Visa credit card tailored for use on the Internet, has often been named in the same breath as some of the larger and more established card companies because of the innovations it has brought to the industry. The card company claims to be the first to offer instant account approvals online, and to let people put pictures of themselves — or their dogs, or just about anything else — on their cards. It also created a “concierge” service that automatically fills in online shopping forms, as well as a selection of rewards programs and online bill payment options.

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