Visa, Inc. (V)

As an idustry I think the credit card market with the rest of the credit industry is in for a world of hurt with increasing defaults.The only one I would invest in if I had to is Visa. Reason, well they're debit card side of the buisness has surpassed its credit card buisness. As credit cards become harder and harder to come by due to tighter restrictions, bad credit record, etc.. people will fall back on they're debit cards. The other piece of plastic. Now coupled with positive earnings the past two quarters and expected surge in debit card use, its going up. Now Visa might take a hit but in the long run this company will outperform. Even mastercard I'd expect to do wellalso over the long run all the others are going to turn into dogs.

Electronic transactions will continue to grow. I don't see banks or other companies innovating in this arena. Look for Visa and MasterCard to grow consistently year after year.