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Invest in consumers on the Lexus-driving side of the "credit divide," says Nomura's Bill...

Invest in consumers on the Lexus-driving side of the "credit divide," says Nomura's Bill Carache, upgrading AMEX as he downgrades Capital One (he also likes Discover). Since the 2008 peak, outstanding balances have declined more than 25% at COF vs. just 18% at AXP and DFS.
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