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By Julia Spencer, CardTrak.com

Charge-offs for managed outstandings edged up again in November by 10 basis points after a rocky year following the implementation of new bankruptcy rules last fall. The charge-off ratio has oscillated much of this year but seems to be on an upward trend as delinquency points north. According to CardData (www.carddata.com), charge-offs for November rose to 4.19% of managed outstandings, versus 4.09% in October and 7.03% one-year ago. According to FitchRatings, "prime" charge-offs for October were 3.78%, 10 basis points lower than the prior month but up 59 basis points since May. The "prime" 60-plus day delinquency index for October was 2.40%, compared to 2.33% in September.