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Now is a perfect time for credit unions to re-examine their approach to credit. There is a significant opportunity to grow market share and build stronger member relationships. With the financial crisis in the rear view mirror, there is a strong renewed interest in consumer credit, which is expected to grow at twice the rate of debit between 2013 and 2015. Leveraging existing relationships to “graduate” members from debit to more profitable credit products can more than double revenue, according to Pulse Network and the Federal Reserve Bank.

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