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FILE - In this March 5, 2012, file photo, consumer credit cards are posed in North Andover, Mass. Today’s competitive credit card market has turned lucrative for consumers, meaning what would have been a good offer just a few years ago no longer measures up. (AP Photo/Elise Amendola, File)

FILE - In this March 5, 2012, file photo, consumer credit cards are posed in North Andover, Mass. Today’s competitive credit card market has turned lucrative for consumers, meaning what would have been a good offer just a few years ago no longer measures up. (AP Photo/Elise Amendola, File)

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