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Alliance Data Systems Corporation Q3 2009 Earnings Call Transcript 22 Oct, 2009

... some estimates, revolving credit card lines have been cut by over 30% in the last 12 months. The significant reduction in revolving debt levels we have seen is not only a function of the consumer’s desire to de-leverage ...
Alliance Data Systems Corporation Q4 2008 Earnings Call Transcript 04 Feb, 2009

... label with the portfolio already at an 8.5% growth rate and ramping up as well as the significant reduction in funding costs, private label should come in, should come out of the blocks with conviction. Looking now at ...
Alliance Data Systems Corporation Q3 2008 Earnings Call Transcript 22 Oct, 2008

... The higher rates which we are calling liquidity insurance of about $8 million and the fact that the I/O reduction from a plus $18 million last year to about zero this year. I think the key thing here and it should noted ...

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