KEY FINDING: 
RFG's CEO Credit Card Analysis shows inactive cards are a drain on credit card profitability.

STATISTICS: 
11% or more of credit union's card users are Inactive (no annual purchase transactions / no finance charge income)

TACTIC: 
Send out a notice letting members know that if there are not purchases or finance charge income in a calendar year, there will be a $30 annual non-use fee imposed.