<http://schema.org/description>
"U.S. credit card customers have become so diligent in making their payments that some are beginning to wonder whether the industry has entered a prolonged era of low chargeoffs and low delinquencies."^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.americanbanker.com/issues/178_99/as-cardholders-keep-paying-on-time-new-normal-may-be-emerging-1059336-1.html>