The Credit Card Accountability, Responsability and Disclosure (CARD) Act has given banks less room to maneuver as they search for profits in their card portfolios. Not only are they being pinched by new regulations, their card profits are facing pressure from changing consumer behavior. Cardholders in good standing are paying down balances while delinquency rates among riskier customers rise.

But there are immense opportunities for lenders to build new advantages by taking a bold approach to risk management and analytics. The task at hand — re-engineering card profitability — demands a whole new look at the possibilities opened up by advances in analytic technology.

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