Contents -- List of Tables and Figures -- Acknowledgments -- Introduction -- 1. The Architecture of Credit Card Markets -- 2. Market Building in the Transitional Context -- 3. Setting the Stage: Consumer Credit and Banking Before and During the Transition -- 4. Inner Circles: Card Issuing at the Dawn of the Market -- 5. The Stick But No Carrot: Disseminating Cards Through Employers -- 6. The Carrot, at Last: Will Consumer Lending Lead the Way for Russia's Credit Card Market? -- 7. The Missing Piece of the Puzzle: The Struggle to Institutionalize Interbank Information Sharing and Create Credit Bureaus -- 8. The Russian Credit Card Market Through the Lens of Continuity and Change -- Appendix: Data and Methodology -- Notes -- Bibliography -- Index.