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But, eventually, these savings from fewer losses will run out, Mr. Sakhrani said. So they also need to increase revenues by growing their loan portfolios for credit cards, mortgages, auto loans and business loans.

“I think there are still question marks about how much growth they’re going to see for the rest of the year,” Mr. Sakhrani said. “They need the demand for loans to improve. That’s something that has been lacking.”

Mr. Brendler agreed. He said consumer spending with credit cards dropped about 20 percent from 2008 through 2010.

“The consumer hasn’t really come back yet,” he said. “The key question is whether or not they can grow their portfolios.”

Mr. Sakhrani believes the spending “appetite” for credit cards will improve as the GDP picks up and more consumers go back to work.

“One would think that that’s the case,” he said.