(in millions)     
  (% of cards carrying stated go-to APRs in soliciations)
   1Q 2002 2Q 2002 3Q 2002 4Q 2002 1Q 2003
  Go-To APR
  Up to 5.00% 0.90% 0.39% 0.15% 1.04% 0.44%
  5.00-7.99 3.18% 9.24% 12.26% 13.24% 15.31%
  8.00-9.99 22.53% 38.39% 48.73% 36.15% 32.69%
  10.00-13.99 41.62% 30.50% 25.17% 34.97% 34.57%
  14.00-17.99 18.34% 15.44% 8.55% 9.58% 12.59%
  18.00-21.99 5.06% 4.24% 4.39% 4.50% 3.65%
  22.00+ 8.37% 1.81% 0.75% 0.52% 0.76%
  Total Estimated Offers:
   958.6 1,087.70 977.3 986.3 855.5
  Source: Mintel's Comperemedia, Chicago
 

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