Credit union credit card lending has followed its usual, seasonal pattern so far in 2015, but has been, generally, more active this year than it was in the previous two years, according to credit union and card processing executives.

The executives explained credit union credit card receivables generally fall in the first part of the year as consumers pay off their holiday balances built up the previous year, particularly during the fourth quarter. Then, they said, the receivables gradually rise over the year to reach their peak during the fourth quarter and holiday season. That pattern has continued this year, the executives said, but consumers have generally been taking out more cards and spending more than in previous years.

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