TOP 10 CARD ISSUERS' OUTSTANDING BALANCES FOR '91

1. Citicorp; $34 billion

2. Discover; $14.7 billion

3. Chase Manhattan; $10.4 billion

4. MBNA Corporation; $8.2 billion

5. Bank of America; $7.7 billion

6. AmEx Centurion; $7.4 billion

7. First Chicago; $7.2 billion

8. Chemical Bank; $5.9 billion

9. Banc One; $4.4 billion 10. Household Credit Services; $4 billion, Source: Credit Card Management