However, the annualized net charge-off rate for US credit cards rose marginally from 7.26% in October to 7.56% in November.

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But for those looking for a replay of the Credit Crisis, the net charge-off numbers from American Express ( AXP), Bank of America ( BAC), Citi ( C), Capital One ( COF), Discover ( DFS), and JPMorgan Chase ( JPM) would argue against it as this data continues to improve each and every month.

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