I'd love to find a time series of those proportions; my sense is that 29.7% is wildly overestimated, but it has been a very long time since I was in that business myself. Curious whether the proportions have changed, or whether my perspective at that time was skewed by the nature of my tier 1 customer service role.
I'm sure it also depends on who you worked for. My unscientific instinct is that you're substantially more likely to see someone carry a balance on a Capital One or Target card then on an Amex or Costco visa because of the demographics.
MBNA, a few years prior to the BofA acquisition. The company mostly issued affinity cards, of which it was the largest US issuer (I want to say largest globally, but not sure, whereas US I am certain about) at the time. You got to see a pretty good cross-section.
