SAN FRANCISCO (7/2/08)--Credit unions offering credit card programs to members may want to reference a recent study indicating that security is cardholders’ No. 1 concern. Javelin Strategy and Research released a report, “Credit Card Satisfaction--an Effective Acquisition and Retention Strategy Must Focus on Multiple Facets of the Relationship,” which analyzes consumer perceptions affecting selection of a credit card issuer and a card at the point of transaction. Javelin surveyed three age groups--Baby Boomers, Generation X and Generation Y. About 80% of respondents said that as the fear of data breaches rise, security was their No. 1 concern. Security at point-of-purchase also was noted. “Security fear at the point of purchase is important for issuers to understand,” said James Van Dyke, Javelin president of strategy and research. “The focus and press coverage that data breaches have received as a point of vulnerability in card fraud has led to an increased focus by consumers on security features of their cards when choosing one to make a purchase.” Online experience, rewards programs and interest rates also were cited as driving factors in deciding on a card, Javelin said.