CardTrak.com - Most Trusted Source of Credit Cards Since 1986

Americans to Charge More Than $148 Billion During Holiday Season

PORT CHARLOTTE, Fla. (November 21, 2007) -- CardTrak.com®, the nation's most
established and most trusted credit card advisory service for consumers, today
released holiday spending projections for credit and debit cards.

Americans will likely use general purpose credit/debit cards and store credit
cards to charge more than $148 billion in retail sales between the Thanksgiving
Day holiday and the December 25th. While overall spending via all payment means
is expected to rise between 4% and 5%, the figure for payments cards will
increase about 10% above last year. This year there are 32 shopping days
between the Thanksgiving and Christmas holiday period, compared to 31 days last
year and 30 days in 2005. For the 2006 holiday shopping season, holiday
purchases on general purpose credit/debit cards and store credit cards
increased more than 12%. Signature debit card use is expected to increase by
more than 16% while store credit cards will be up about 8.5%. Credit card
volume is running about 8% above last year. Consumers will likely rack up more
than $92 billion in holiday sales on VISA, MasterCard, American Express and
Discover credit cards.

While there is a major focus on retail shopping data for "Black Friday"
(November 23rd) and "Cyber Monday" (November 26th), the peak holiday shopping
day will likely be Saturday December 22nd. Based on historical shopping
patterns, the week of December 17-23 will produce the highest level of holiday
sales. Furthermore, the holiday shopping period has been expanding as many
consumers and retailers shift to the holiday mode shortly after Halloween
rather than after Thanksgiving. Payment card usage from prior years indicates
that "Black Friday" and "Cyber Monday" do not even rank among the top five
busiest holiday shopping days. Best time to shop: early mornings and late
evenings, especially Monday and Tuesday during the first two weeks of December.

                           Holiday Card Volume
                         (five weeks ending 12/25)
               2005           2006            2007         Y/Y Gain
    Credit: $ 77.1 b        $ 85.6 b        $ 92.2 b        + 7.7%
    Debit:  $ 28.2 b        $ 35.3 b        $ 41.0 b        +16.2%
    Store:  $ 14.7 b        $ 13.9 b        $ 15.1 b        + 8.5%
    TOTAL   $120.0 b        $134.8 b        $148.3 b        +10.0%
              Source: CardTrak.com (www.cardtrak.com)

About CardTrak.com

CardTrak.com, http://www.cardtrak.com, is the nation's most established and
most trusted credit card advisory service for consumers, serving millions since
1986. CardTrak follows credit cards, debit cards, gift cards, prepaid cards and
smart cards. CardTrak follows products from VISA®, MasterCard®, American
Express® and Discover®. CardTrak is a registered trademark of CardTrak LLC.
CardTrak LLC is a privately-held company headquartered in Port Charlotte,
Florida with branch offices nationwide.

Contacts
CardTrak.com, Port Charlotte
Stephanie Jupiter, 800-344-7714
media@cardtrak.com