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I think one of them will be social media.. Credit card companies are already using social media to launch new products. Shahani pointed out that the CitiForward credit card launched in March 2009 on MySpace. He said that in December 2009, American Express launched its new Zync card on social media sites.redit card companies will have to come up with targeting models, and data companies can help them figure out those models, according to Shahani. Issuers will have to come up with smarter ways to target the right audience because it is so much more expensive to extend credit, he said.