If a family plans on selling their house, they have to make sureit's in the best shape possible before putting it on themarket.

The same holds true for credit unions looking to sell theircredit card portfolios. And even if they're not currently planningto sell, credit unions should keep their portfolios as attractiveas possible if that day ever were to come, experts advised.

“There are a whole lot of things that could scare a purchaser,”Tom Kolk, president of TRK Advisors, a credit card consulting firmin Peterborough, N.H., said. “It has everything to do with how youpresent your portfolio.”