NATICK, Mass. -- A legal disagreement over the terms of a co-branded credit-card contract has high stakes for 12,000 customers of BJ's Wholesale Club here. These cardholders face not having their cards renewed by the card issuer. The controversy focuses on the profitability of the credit cards for the card issuer, Beneficial National Bank, Wilmington, Del., which does not want to renew accounts of customers who have not accrued finance charges during the previous 12 months. BJ's, which ...

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