U.S. credit card outstandings end-of-period (EOP) among the Big 6 issuers will likely be flat in Q3/15 driven by falling fuel prices and increasingly debt sensitive consumers. U.S. credit card outstandings end-of-period (EOP) among the Big 6 issuers rose by a mere 2.3% year-on-year (YOY) in the second quarter to $474.5 billion.