U.S. Bancorp’s most recent quarter took note of changing dynamics in deposit activity, growth in card loans, and momentum in its payments-related business lines that should last through the current year, according to management commentary Thursday (Jan. 16).Earnings materials show credit card loans were $29.4 billion at the end of the most recent quarter, up from $27.7 billion a year ago. Net charge-offs were 4.28% in the most recent period, as measured against the overall credit card loan book, compared to ...