Wing Hang Bank expects the number of credit cards it has issued to increase more than 30 per cent this year after 32 per cent growth in 1996. Chairman and chief executive Patrick Fung Yuk-bun estimated more than 50 per cent of the territory's credit card users had only one card in their wallets, compared with an average of two per person in the United States. He said this indicated there was considerable room for the market to develop.