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BA Credit Card Trust
Excess Available Funds Analysis—October 2009
| BAseries Performance |
October-09 |
September-09 |
August-09 |
3-Month Average |
| Cash Yield |
24.68% |
21.89% |
23.29% |
23.29% |
| Cash Yield without Recoveries |
24.23% |
21.52% |
22.94% |
22.90% |
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|
|
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| Gross Charge-Offs |
13.67% |
14.63% |
14.89% |
14.40% |
| Net Charge-Offs |
13.22% |
14.25% |
14.54% |
14.00% |
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|
|
|
|
| Base Rate |
2.74% |
2.75% |
2.76% |
2.75% |
| Excess Available Funds |
8.28% |
4.52% |
5.64% |
6.15% |
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|
|
|
|
| Monthly Payment Rate |
14.18% |
12.93% |
13.86% |
13.66% |
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|
|
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| Delinquency |
| 30 to 59 days |
1.95% |
2.01% |
1.95% |
1.97% |
| 60 to 89 days |
1.70% |
1.65% |
1.56% |
1.64% |
| 90 + days |
3.94% |
3.87% |
3.96% |
3.92% |
| Total |
7.59% |
7.53% |
7.47% |
7.53% |
| BA Credit Card Trust |
Class A |
Class B |
Class C |
Total |
| Adj. Outstanding Tranche Totals ($MM- Millions) |
$58,887 |
$4,408 |
$4,728 |
$68,022 |
| Series 2001-D |
| Class D Investor Interest ($MM- Millions) |
$7,111 |
| BA Master Credit Card Trust II- 2 |
Total |
| Aggregate Ending Principal Receivables ($MM- Millions) |
$86,470 |
| Seller's Interest (30-day average) |
6.06% |
Footnotes
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