Competing‘Creatively’intheCreditCardIndustrythroughExploratoryMultivariateSegmentationStrategy,JieQiu,,Sincethe1990s,creditcardshavebecomethedominantpaymenttoolintheUS,withthetransactionvolumeupfromabout$800billionin1990tomorethan$1.7trillionin2006.Th