Credit card charge-offs remain a core secondary market product because issuance volume is large and buyer infrastructure is mature. Still, packaging quality separates top-quartile outcomes from mediocre ones.
What buyers emphasize
- Freshness vs deeply placed accounts
- FICO/origination signals when available
- Balance tiers and fee composition
- State mix and prior agency notes
Seller packaging checklist
Clean tape, consistent flags, sample media, and clear sale timeline. Transparency reduces bid variance and reopening of terms later.