Credit card charge-offs are expected to remain low in 2012 for as long as bankcard trusts maintain their current credit characteristics, Standard & Poor's said in an emailed note this morning.

However, new account additions to existing trusts are still a key concern, they said. January charge-offs dropped 10 basis points to a record low of 4.3%, decreasing from a peak of 10.5% in February 2010, as reported by the S&P CCQI Index.

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