Robert McKinley, Senior Analyst/Editor Robert McKinley, with 33 years experience covering payment cards and payment systems, is Senior Analyst/Editor for CardFlash and other payments-related publications. He is the retired founder and chief executive of RAM Research, CardWeb and CardTrak. McKinley served as an expert witness in 100+ litigations including two multi-$billion trials, testified before the U.S. Congress, chaired multiple payments conferences, hired as consultant by Fortune 100 companies and several overseas financial institutions. Full Bio: www.rbm4.com

Charge-Offs Q3

CardWeb.com’s CardData financial database projects bank credit charge-offs among the nation’s top four Visa and MasterCard (V/M) issuers will decline four bps for the third quarter to 3.20%. Chase and Citi report Q3 results on October 14th before the market opening. BofA reports October 15th before the market opening. Cap One reports October 16th after the market close.