Revolving credit, and traditional credit card issuers in general, are absolute dinosaurs. There are plenty of startups (Lending Club, Prosper, for example) that are trying to disrupt the consumer credit space. Meetearnest.com is another newcomer offering 2 year personal loans for 6.5% APR. If you are talking about consumer credit in general, I predict there will be a new player in the market that will surprise Chase, Amex, Capital One, etc., that will totally transform the consumer credit industry that we have come to known today. Too many people are using CCs to finance purchases for 15-20% APR (at least ~50% of account holders...maybe not MSers) when fed fund rates are still around 0%...something will happen!