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First performance-linked triple-A bankcard downgrade

Last week both Moody's Investors Service and Fitch Ratings downgraded triple-A credit card notes from Spiegel Inc.'s First Consumers National Bank, Moody's nicking the triple-As (among other classes) from the 2001-A and 1999-A series, and Fitch hitting the 2001-A series, the only FCNB deal it rated.

According to Moody's,...

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