For moderate to low income Americans who have depleted much of their excess pandemic era savings, we noted a reduction in travel and entertainment spending as these consumers focus more on non-discretionary purchases.

Oct 26, 2023 / receipt, needs a key / Ralph Andretta, CEO | earnings call 2023-10-26 | transcript 845651ef-5d4e-47b6-8f4f-9e44d6f1b094 | chars 3622-3839 | segment 3

So as we think about it, travel and entertainment and beauty are really holding extremely well and actually growing.

Jul 27, 2023 / receipt, needs a key / Ralph Andressa, CEO | earnings call 2023-07-27 | transcript 964b1168-fba1-457c-b8e6-1517dd9a7ea8 | chars 45669-45785 | segment 46

In certain areas like beauty and travel and entertainment, we are seeing continued strong year-over-year growth.

Jul 27, 2023 / receipt, needs a key / Ralph Andretta, CEO | earnings call 2023-07-27 | transcript 964b1168-fba1-457c-b8e6-1517dd9a7ea8 | chars 3721-3833 | segment 3

I think you highlighted, you know, travel is holding in there, whether, you know, that's something that, you know, may be next in line for moderation.

Jul 27, 2023 / receipt, needs a key / David Scarf, other | earnings call 2023-07-27 | transcript 964b1168-fba1-457c-b8e6-1517dd9a7ea8 | chars 44783-44933 | segment 45

I mean, look, we're still in a strong unemployment environment. The consumer overall is healthy. If they want a job, there's jobs to be had. There's a lot of open jobs. I mean, you know, it's going to be interesting, right? We think about the economy overall. You know, we've talked about almost the tale of two economies right now, the high-end consumer and That's been really well. I mean, it's absorbing the inflation with almost out of blank. They're back to traveling and that's going on for them. Now, they may start to feel pressure if they're thinking they're going to go buy a home. Mortgage prices, mortgage rates almost doubled in the past six months. You know, middle America is feeling it more so with inflation of the necessities. And all of this is what we're watching. And we're making sure that we're being very deliberate with our credit actions along the way. And we're going to be conservative in our reserve rate until we see the other side.

Oct 27, 2022 / receipt, needs a key / Ralph Andretta, CEO | earnings call 2022-10-27 | transcript 0f09e7be-45d3-4fb9-93ae-3e76ccef35ed | chars 49883-50845 | segment 50

In the first quarter, consumer activity remained strong, with credit sales up 14% from the first quarter of 2021, with particular strength from our beauty vertical and co-brand and proprietary travel and entertainment sales.

Apr 28, 2022 / receipt, needs a key / Ralph Andretta, CEO | earnings call 2022-04-28 | transcript 55dc1ea0-9e5b-46ea-8b6a-8e163c16a7fb | chars 5302-5526 | segment 5

You know, I saw that data, and, you know, some of that I would think is pent-up travel demand, some of that spend. You know, and I think, you know, travel demand is a big ticket, and I think some of that demand was that. So I was very comfortable with 20% year-over-year growth And our portfolio, that portfolio was both private label and our general purpose cards. So a 20% average is really healthy without travel as a dominant factor. I think if you look at two of our growing verticals, jewelry and beauty, those grew 30% year over year in the fourth quarter. So I am, you know, I think there is growth there, but I think that, you know, some of that was, you know, that 30-plus number was some pent-up travel command.

Jan 27, 2022 / receipt, needs a key / Ralph, other | earnings call 2022-01-27 | transcript 5a04b38b-3cbd-4a95-9ed9-234527b52923 | chars 53481-54203 | segment 55

Once travel resumes, the new offerings combined with travel options should provide a substantial growth opportunity.

Jan 28, 2021 / receipt, needs a key / Ralph Andretta, CEO | earnings call 2021-01-28 | transcript 58ec8730-cfde-4f4b-8002-9d56036177bc | chars 9476-9592 | segment 9

I think that combined with travel coming back gives the customer options on how to redeem miles.

Jan 28, 2021 / receipt, needs a key / Ralph (CEO), CEO | earnings call 2021-01-28 | transcript 58ec8730-cfde-4f4b-8002-9d56036177bc | chars 40194-40290 | segment 40

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