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EXHIBIT 23.1
CONSENT OF INDEPENDENT AUDITORS
We consent to the incorporation by reference of our report dated January 26,
2000, except as to Note 18, as to which the date is March 1, 2000, with respect
to the consolidated financial statements of NextCard, Inc. and subsidiaries
included in its Annual Report (Form 10-K) for the year ended December 31, 1999,
in the Registration Statement (Form S-8) pertaining to the 1997 Stock Plan and
1999 Employee Stock Purchase Plan of NextCard, Inc., filed with the Securities
and Exchange Commission.
/s/ Ernst & Young LLP
San Francisco, California
, 2000
