Banks are starting to stretch introductory-rate offers beyond the usual three to six months in an effort to woo customers.

Among 19 issuers offering rates below 10% that are listed in the latest issue of RAM Research Corp.'s CardTrak newsletter, Signet Banking Corp., Citicorp, Wachovia Corp., AFBA Industrial Bank, and Abbott Bank are offering introductory programs that last longer than usual, said RAM president Robert B. McKinley.

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