1.   And as the credit card industry takes on riskier customers in its search for growth, the numbers could climb.

2.   Advanta and others are starting to raise interest rates on riskier customers.

3.   All have taken advantage of their ability to lend more without having to resort to riskier customers.

4.   Helped by computers, lenders tailor offers to customers and concoct pricing schemes designed to make riskier customers pay higher interest rates and good customers lower rates.