ST. PETERSBURG, Fla. – Credit unions seeking to better manage their card portfolios would do well to concentrate the responsibility for the portfolio's overall growth and profitability to one executive, a key PSCU executive told attendees of the card cooperative's annual meeting. According to PSCU, Katy Slater, member development analyst, told breakout session attendees that credit unions should also consider tracking card profitability separately from other loan products and track active and inactive accounts. "It is no longer possible to have a successful and profitable card program offering a "plain vanilla card," Slater told the meeting. "Card offerings must be compelling to the individual cardholder," she added. The elements of such a program include easy acquisition, rewards, attractive rates, no fees or low fees, and automatic line of credit increases.