Citigroup, JPMorgan Chase and other major credit card issuers are bracing for a future that is less profitable and filled with added regulations. Meanwhile, cardholders are using their cards less, forcing issuers to scramble to come up with additional ways to make money. "As you look out into the future, we think the business will be smaller, but how much smaller remains to be seen," said Chip Rossi of Bank of America's credit card business. "It's a product that is important to the consumer, so we have got to figure out a value proposition that makes sense."
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