The fastest growing segment of the U.S. payment card industry is products for consumers with nonprime credit scores. Companies including Atlanticus, Genesis Financial and Continental Finance provide credit cards to this market. Products include private label, general purpose and medical expenses credit cards and installment loans. The second-look market involves accounts opened after a consumer failed to qualify for a credit card based on the criteria of a merchant or its third-party credit card provider. If an applicant can’t pass the credit card approval process of a merchant’s pri...