Comscore Study Finds The Total Number Of Consumer Credit Card Applications Submitted Online In Q2 2008 Decreased By 6 Percent Versus Year Ago

Applications from “Prime” Consumers Fall While “Subprime” Consumers’ Rise

Credit Card Servicing Via Online and Mobile Continues to Grow

RESTON, VA, October 27, 2008– Comscore, Inc. (NASDAQ: SCOR), a leader in measuring the digital world, today released results of a study of the online credit card industry, based on both passively-observed online behavioral data as well as a survey of more than 2,000 Internet users conducted in September 2008. Study findings revealed that for the first time in the five most recent quarters, the total number of credit card applications submitted online at the top ten credit-card issuer sites declined, dropping 6 percent in Q2 2008 versus the same period in 2007.

*Top 10 online credit-card issuers by number of online applications include: American Express, Bank of America, Capital One, Chase, Citi Cards, Discover, HSBC, US Bank, Washington Mutual, Wells Fargo; data was aggregated prior to any of the recent bank mergers

This decline is fueled largely by a drop in application rates among prime candidates (defined as individuals having the equivalent of a FICO creditworthiness score of greater than 660), while application rates among subprime candidates (defined as individuals having the equivalent of a FICO creditworthiness score of 660 or less) have increased, up 7 percent in Q2 2008 versus year ago.

*Top 10 online credit-card issuers by number of online applications include: American Express, Bank of America, Capital One, Chase, Citi Cards, Discover, HSBC, US Bank, Washington Mutual, Wells Fargo; data was aggregated prior to any of the recent bank mergers

** Subprime defined as having a FICO 660 or less; prime defined as having a FICO greater than 660.

“With historically-low consumer confidence, a tight credit market and looming uncertainty in the marketplace, it’s likely many consumers are doing all they can to avoid having to take out additional lines of credit. We see that prime candidates have become particularly cautious during this time, while subprime candidates remain relatively credit-hungry,” said Jennifer Lanouette, Comscore vice president. “Regardless of these shifts in consumer behavior, it’s important for credit card issuers to realize they can still compete for new customers by appealing to those looking for better rates, card rewards and service options.”

In fact, 67 percent of survey respondents (which includes both subprime and prime consumers) said they would consider switching their primary credit card if a better feature were offered by another credit card company. Fifty two percent of these respondents said a lower APR/interest rate would entice them to switch, while 38 percent said better rewards/features would prompt them to make the move.

*Note: Includes only respondents who said they would consider switching card issuers.

Online and Mobile Banking Offers Competitive Advantage

Despite changes in the economy, the Internet continues to flourish as a channel for card issuers to connect with clients, and the number of consumers logging into accounts online continues to grow. Nearly three quarters of survey respondents said they have logged onto a credit card Web site, up 4 percentage points versus 2007.

*To demonstrate shifts in the online credit card industry, results from the 2008 Comscore online credit card survey were compared to results from the 2007 Comscore online credit card survey of nearly 2,000 respondents conducted in April 2007.

The mobile channel is also becoming increasingly attractive to consumers seeking financial information, with the online banking category ranking as the fastest growing mobile Web category during the past year, up 91 percent in unique visitors in April 2008 versus year ago.

About Comscore
Comscore, Inc. (NASDAQ: SCOR) is a global leader in measuring the digital world and preferred source of digital marketing intelligence. For more information, please visit www.comscore.com/boilerplate.