Beverly B. Wells, who took the helm of Wachovia Corp.'s credit card business two years ago, has a well-rounded banking background and a penchant for organizing. But she is a techie at heart.

She came into the job without prior credit card experience, and she had to follow in the footsteps of Jerry D. Craft. He had put the historically wholesale-oriented, risk-averse Wachovia on the card map, virtually doubling receivables, to $4.1 billion, from 1992 to 1994.

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