These are all very elite bankcard holders who are likely to have weekend homes in the country, apartments in the city, send their children to private schools and drive foreign made luxury cars. Having a variety of bankcards especially premium cards, makes it easy for them to maintain their lavish lifestyles.

Using a powerful net worth segmentation model, these households have been identified as having net worths equal to or greater than one million dollars. The model uses in-depth, exhaustive research data of recent consumer financial behavior and intentions. This very specific profile of High Net Worth Households drives the process for identifying those households with the greatest propensity to have High Net Worth.

These high income professionals often spend long days at the office concentrating on demanding jobs. After putting in extensive hours at work, they look forward to evenings and weekends when they get the chance to unwind and relax with family and friends. These professionals are generally married and are inclined to spend their hard earned leisure time dining out as well as reading, listening to music, and entertaining at home.

Over 13% of Black American households have incomes of $50,000 or more. With the rapid growth of African Americans moving to the suburbs over the past few years, there are more than 8 million who have made their home in suburban neighborhoods. Those living in suburban areas tend to be more professionally and educationally oriented and generally have more disposable income than blacks living in the metropolitan areas.

People on this list have annual incomes of $50,000+, compared with a median income of $29,000 for all Hispanics. These individuals have the means to enjoy a comfortable lifestyle and are ready to spend more for high quality merchandise. They appreciate upscale products ranging from VCR's, stereos, cars, and apparel to household products.

These are affluent, high income homeowners, some who have left city living behind but still commute to their high-paying jobs. These people enjoy the nonmetro "simple" life but still want upscale products (computers, trendy cars, best-selling books, records, CD's, magazines, hi-tech electronic gadgets . . .) and services.

Both married and single, these status bankcard holders are affluent, well educated and motivated professionals. Since they've put a lot of time and effort to get to where they are, they like to spend to reward themselves. Many feel they deserve it, while some like to "flaunt" what they have.

These affluent singles enjoy their freedom and the finer things in life. They are inclined to purchase art and antiques, attend cultural events and indulge in upscale electronics, jewelry and apparel. They have a median age of 38 and a median income of $58,000. The individuals on this file are well educated, enjoy travel and are likely to own their own home.