GLOSSARY

National Foundation for Consumer Credit National issuers Office of Comptroller of the Currency Original principal balance 3 C's 3-in-1 credit report
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National issuers

The overwhelming majority of credit cards in the U.S. come from a handful of national issuers, such as First USA, MBNA America and Bank of America. They often originate from lender-friendly states such as Delaware and South Dakota that impose no limits on what cardholders can be charged.

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