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| related topics |
| {condition, economic, financial} |
| {regulation, change, law} |
| {product, market, service} |
| {financial, litigation, operation} |
| {property, intellectual, protect} |
| {personnel, key, retain} |
| {system, service, information} |
| {competitive, industry, competition} |
| {cost, contract, operation} |
|
|
Changes in our product offerings and features could negatively affect our ability to originate and retain customer relationships and may reduce our profitability.
If we are unable to develop, introduce or offer new or competitive products, our ability to generate new accounts and compete effectively could be adversely affected.
The failure or insolvency of third party service providers may disrupt our business operations and adversely affect our results of operations and financial condition.
We face intense competition in the credit card industry which could negatively impact our ability to generate new accounts and receivables.
If we are unable to attract and retain talented employees our business could be adversely affected.
Legislative and regulatory developments may affect our business operations and ability to generate new accounts.
Actions by bank regulatory authorities could affect the manner in which we conduct our business and our financial condition.
Legal proceedings against us may result in adverse outcomes.
Changes in accounting may affect our reported earnings and results of operations.
If third parties claim we infringe their intellectual property rights it could negatively impact our business and financial position.
Changes in tax laws and outcomes of tax audits may affect our tax liabilities and financial condition.
Changes in interest rates may reduce our profitability.
Social, economic, environmental and geographic factors can affect levels of customer spending, credit card payments and other customer behaviors in ways that could negatively impact our asset quality and profitability.
Market conditions and other factors beyond our control could negatively impact the availability and cost of funding for our operations.
Full 10-K form ▸
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