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» Graph: Market Share of Top 10 General-Purpose Credit Card Issuers View the effects of consolidation.In 1990, the top 10 general-purpose credit card issuers had a 56.5 percent share of the market.

And federal banking rules required that before banks could set up operations outside their home state, a formal invitation had to be issued by the legislature of the state they wanted to enter. "We'll put the facility in an inconvenient place for customers and we'll pay different interest rates," Mr. "Citibank actually drafted the legislation,'' he said. Delaware, which passed similar legislation the following year, would foil Mr. "By that time, we'd captured a lot, but we thought we were going to get them all.

» A Snapshot of the Industry (Map) See how the 1978 Supreme Court decision Marquette Vs. affected the locations of the top 10 credit card issuers.

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