Getting a credit card has never been easier. Yet the rise in issued cards exacerbates the ever-present challenges that face issuers, banks, and above all else, consumers. User loyalty is at an all-time low. Banks and issuers struggle to retain existing cardholders due to the plethora of rewards programs incentivizing customers to apply for new cards. At the same time, consumers are having a difficult time paying off their balances, driving card debt and delinquencies to record levels.