Credit unions that issue credit cards are more apt to market to college-educated people, avoid assessing minimum finance charges and embrace lower minimum payments, among other things, according to a new CFPB study.

The nearly 300-page study evaluated everything from card use to the cost and availability of credit, as well as issuer practices. Here are four differences the CFPB highlighted regarding how credit unions, banks and subprime lenders run their card programs.

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