FleetBoston reported yesterday that credit card outstandings edged up slightly during the third quarter to $14.8 billion, but remain down $700 million compared to 3Q/02. Since the first of this year Fleet’s outstandings have declined due to portfolio sales, lower balance transfers, a decline in cash advances, and other normal seasonal factors. For the third quarter, the delinquency rate increased to 3.91% compared to 3.89% for 2Q/03, and compared to 3.83% one year ago. Delinquency at the end of the first quarter was 3.83%. Charge-offs for the third quarter hit 6.80% compared to 6.56% in the prior quarter, and compared to 5.25% one year ago. Charge-offs for the first quarter were 5.16%. Fleet has about 9.4 million accounts. For complete details on FleetBoston’s third quarter results visit CardData ([www.carddata.com]).