Abstract: 2018 will be a year for credit card issuers to tighten up lending and build on existing customer relationships as account delinquency begins to rise.

Credit card account volumes and revolving debt in the United States are back to peak levels. Concurrently, past due accounts are beginning to increase. In 2018, issuers should solidify their portfolios, grow organically, and prepare their portfolios for emerging payment opportunities.