The cold, hard fact is that the credit card marketing game has changed over the past several years, and the old way of doing business simply cannot survive. The business model that worked when direct mail pulled a 1.50% response rate won't work when that response rate drops by eighty percent to the current industry norm of about 0.30%.

To gain a sustainable competitive advantage in the future, credit card issuers will need to create innovative new ways to drive value for the customer - changing the rules by which the industry has run for years.

Learn about one such business innovation - one that should attract and increase card usage among a highly desirable segment of the population.