So if I was to take a look inside of your purse or wallet right now,  what would I find? I’m willing to bet that you probably have either a  Visa or a Mastercard credit card, perhaps an American Express credit  card or even a Discover credit card. However, what else would be there? 

Would you have any store issued credit cards?  Perhaps from Walmart, Macy’s, Home Depot, etc.? 

Well guess what, these  store issued credit cards are in trouble and their product managers are  scrambling to find ways to change their product development definition  in order to save them.