After eroding amid ballooning job losses, the credit profiles of customer rosters at major card lenders have generally recovered, and in some instances, became stronger than at the beginning of the recession as issuers cull the ranks of their customers.

The pivot to borrowers with better credit histories appears to have been particularly sharp at Bank of America Corp., which entered the recession with a smaller proportion of high-score customers than some of its peers, and suffered the worst deterioration in loan quality among the nation's six largest issuers.

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