Household reported this morning a 9.0% gain in fourth quarter bank credit card outstandings to $18,952,600,000 compared to 4Q/01. Private label credit card outstandings also grew from $13.8 billion for 4Q/01 to $14.9 billion at end-of-year 2002, an 8% increase. However, Household did experience an increase in both delinquency and charge-offs compared to one year ago. Delinquency (60+ days) hit 4.12% compared to 4.10% one year ago, for its managed VISA and MasterCard segment. However the figure was down 2 basis points from the third quarter. Delinquency (60+ days) for Household’s private label portfolio hit 6.03% compared to 5.48% for 4Q/01. Charge-offs (net of recoveries) climbed to 6.98% for Household’s bank credit card portfolio compared to 6.81% in the previous quarter, and 6.69% one year ago. Private label credit card charge-offs (net of recoveries) declined to 5.91%, compared to 6.12% for 3Q/02, and 5.40% for 4Q/01. For complete details on Household’s latest performance, plus historical portfolio information visit CardData ([www.carddata.com]).