KEY FINDING: 
RFG's CEO Credit Card Analysis found that Balance Rollers are one of the most profitable card segments.

STATISTICS: 
Balance Rollers have nearly 4X the profitability of Convenience Users who typically pay off their balances every month.

TACTIC: 
Target Credit Driven and Middle Market households who have a checking account and no credit card relationship.  Market balance transfer promotions to these households because they are more likely to be Balance Rollers.