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Somewhat counterintuitively, CU card industry experts say that two conflicting trends in the economy make 2012 a good year for a credit union that had foregone credit card issuing in the past to get back into the business.

First, the economy is improving, bringing higher employment and tapping into pent-up consumer demand for goods, services and credit. Second, enough consumers have seen their credit lines shut down and credit cards withdrawn that they need a source of consumer credit they can rely upon and trust. These two trends gives credit unions a strong opportunity for their card programs, according to card experts.

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