Capital One Financial, Citigroup and other lenders have been concerned since the height of the global financial crisis that cardholders would fall behind or default on payments. Now, credit card issuers are concerned because borrowers are paying off their debt more quickly. "There's a noticeable increase in payment rate," said Sanjay Sakhrani, an analyst at Keefe, Bruyette & Woods. "This definitely results in lower income because [the card issuers are] collecting lower interest income."

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