Individuals on this list are typical of those who have received their first credit card. For some their first was a department store card. For most it was a bankcard. This list consists of both males and females primarily between the ages of 18-34.

Bank Card Revolvers is built using comprehensive historical financial transaction data and aggregated at the Zip+4 level to help marketers identify and segment households with varying levels of bank card revolving debt. We have ranked every household in the United States based on revolving credit activity. This data can be used in combination with our Credit Score Index (CSI) to more finely target “cash needy” segments of the population. This data can also be applied to screen potential bad payers.

New Credit Card Requesters is derived from a powerful financial segmentation model designed to predict the intention of consumers to request a new credit card. The model uses in-depth, exhaustive research data of consumer financial behavior and intentions in order to profile these requesters. This very specific profile of credit card requesters drives the process for identifying those households with the greatest propensity to request a new credit card.

These American Express cardholder households have increased buying powerand make an excellent audience for many products and services including financial, insurance and additional credit offers, fundraising, travel & entertainment as well as retail, catalog and online shopping.

These Discover cardholder households have increased buying power and make an excellent audience for many products and services including financial, insurance and additional credit offers, fundraising, travel & entertainment as well as retail, catalog and online shopping.

The individuals on this file have declared bankruptcy. These individuals are mostly middle America married homeowners with children. They have a median age of 40, a median income of $45,000 and they are likely to have attended college.

This file is based on a proprietary model which was built using aggregated credit statistics and credit card activation data. The model was then used to score the entire Focus USA Masterfile (95 MM households). The Credit Card Activators list is comprised of the top 4 duo-deciles (top 20%) from the model.

This group consists primarily of upper-middle income families with children who prefer plastic to cash. They tend to charge everything from dinners to air fares to magazine subscriptions. Somehow to them using credit cards doesn't feel like they're spending money.

Individuals on this list are credit card holders who - within the last 12 months - have ordered from catalogs, subscribed to magazines, or purchased from book/music/video clubs. The majority of these people hold both bank and retail cards and many hold multiple bankcards. In addition to the usual selects (age, income, etc.) this file is selectable by type of credit card owned as well as by the total number of lines of credit recorded in the Focus database.

The people on this list have bank and/or retail cards and have used them within the last 12 months or as recently as the last 30 days. Presence of bankcard, number of lines of credit, last activity and classification by industry and type of establishment supplement this credit active data.

For many, receiving a credit card can seem like Christmas. Being able to buy with credit enables a lot of people to purchase items they may not have, or may have been waiting to buy until they had the cash saved up. Not only can they now shop by mail, dine out more often, but they are apt to go on that vacation they've wanted, without the hassles of carrying cash or travelers checks, and knowing they can "pay later" makes spending more inviting.

According to our records, individuals on this list do not have any kind of credit including credit cards, retail and gas cards, finance loans, mortgages and auto loans. People without credit would probably be very interested in having at least a credit card , to be able to buy more easily -no need to carry checks or cash with them.