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Although there are risks in offering credit cards to many of these countries, it is recommended that Citibank launch two card options; a Standard Card that caters to the lower-middle class consumers with lower incomes, (that meet minimum requirements) and a Gold Card that will provide increased credit ceilings to the upscale markets.
Phased Introduction to Asian Pacific Markets
In order to realize the best business plan for the Asian Pacific countries, it is suggested that Citibank globalize the credit card markets through a phased approach. This approach will introduce the card to the countries that are estimated to have the least amount of risk associated with their economies, political status, and cultural acceptance of credit usage...
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