Capital One built a successful credit card business by courting only the most profitable customers. So why in the midst of an economic slowdown is it piling up loans faster than ever? For an industry pipsqueak, Capital One Financial Corp. sure makes a big splash. The nation's ninth-biggest credit card company drew in three times as many new customers in the final three months of last year as any other plastic issuer. It sends triple the amount of direct mail to homes than does Citigroup, which has a card business three times as large. The marketing blitz comes at a curious time. The slowdown in the economy makes loan defaults more likely. Yet Wall Street has responded with cheers.
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机译：Capital One只吸引最赚钱的客户，从而成功建立了信用卡业务。那么，为什么在经济放缓之中却比以往更快地积累贷款呢？对于行业中的小问题，Capital One Financial Corp.无疑会引起很大的轰动。去年最后三个月，美国第九大信用卡公司吸引的新客户是其他塑料发行人的三倍。它向家庭发送直接邮件的数量是花旗集团的三倍，而花旗集团的花销业务是三倍。营销热潮在一个奇怪的时刻到来。经济放缓使得贷款违约的可能性更大。然而，华尔街却对此欢呼雀跃。
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