Credit Cards: Where the Money Is (and Is Not)
The economics of the credit card business have always depended on balancing transaction volume with lending income. While interchange revenue...
Recession and Credit Cards: Possibly? Did You Mean Probably?
The New York Times recapped Jerry Powell’s testimony to the Senate Banking Committee on June 22, and while there is...
CFPB: Are Late Fees to Offset Delinquency Costs, or for Revenue?
Pricing credit cards is often an art as much as a science. The card issuer faces the challenge of being...
Shifto in Crypto: Losses and Layoffs Up, as the Prospect Wanes
Economic disruptions are never fun, but they weed out some innovations that seemed like a good idea at the time...
BNPL: Will Regulators Be Able to Figure Out Reporting?
Our view of BNPL is mixed. Consumers are ready for something new, as evidenced by the product’s growth. Lenders are...
Soaring Interest Rates: Credit Card Issuers Shift to Stabilize Mode
There is no way to fight it, but interest rates are rising quickly. It is a countermeasure against inflation, which...
Bracing for the Storm: Consumer Debt Is Up, Savings Are Down
While economists vary on when the next recession will come, practical credit policy managers should think it will be sooner...
Fixing Credit Bureaus: Will the CARES Act Be the Impetus?
Credit bureau issues remain a festering issue for consumers. Although a series of laws and regulations mandate concise reporting, credit...
Buy Now, Pay Later: Merchants Need to Think About Plan B
Will BNPL as we know it, make it to the winter holiday season? Maybe not if you read the WSJ....
KeyBank: Best Practices in Secured Cards
Secured credit cards play an important role in consumer credit for those with thin or no credit records. They enable the...
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