With the year coming to a close, what we can expect in 2015 is surely top of mind for a lot of industry leaders — those in the credit card business especially. Mintel has peered into their crystal ball and identified the following credit card trends to watch for in the coming year:

1. Shift away from prime
2. Shorter intro durations
3. Cash back resurgence
4. Mobile payments ramp up
5. Focus on security
6. Personalization of loyalty
7. Free FICO scores become the norm.

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