Achieved record first-quarter purchase volume of $43 billion, driven by a 20% increase in co-branded card utility and enhanced product value propositions. Observed a strategic shift toward discretionary spending, which outpaced nondiscretionary growth for the third consecutive quarter, signaling resilient consumer confidence despite rising fuel costs. Attributed strong credit performance and a 96 basis point decrease in net charge-offs to disciplined underwriting and the efficacy of prior credit tight ...