Capital One Moves Forward
It is more than a big deal that the Capital One-Discover acquisition passed its last two regulatory hurdles. The biggest...
Late Fees: No Longer Junk, Back to Contractual Commitments
Back in the old days of 2023, regulators were calling late fees “junk.” We kept calling them “contractual commitments,” as...
No Buyers for the Apple Card, but the Technology Is Hot
The WSJ reported that Visa is considering a $100 million bid to shift the Apple Card’s network alignment from Mastercard...
Everyone Can Use an iPhone, But an Apple Card Isn’t for Everyone
Full Disclosure: I love my iPhone. It is a paid-in-full iPhone XS Max that is six years old and works...
College Credit Cards: Getting Pizza & Beer Isn’t Like it Used to Be
Getting a college credit card was easy back in the day. Issuers flocked to the segment, which in 1990 represented...
Best Practices in Secured Credit Cards: KeyBank Still Nails It
Not every consumer warrants an Amex Gold Card, a Chase Sapphire, or a Citi Custom Cash Card. With consumer credit...
Coming of Age for Millennials: American Express Nails It Again
During my (very long) career in credit cards, I’ve held Mastercard and Visas at every top bank, but there was...
Only One Basis Point, But Time for Small Credit Card Issuers to Worry
The first quarter often brings relief to credit card issuers, as holiday shopping is over, New Year resolutions bring promises...
Rewards: On the CFPB Watch List, but Keep an Eye on the Consumer Complaints
My journey with American Express began in 1998, a year that pales in comparison to my father-in-law's card, a relic...
Credit Card Comparison Sites: Will CFPB Stop the Fox from Watching the Hen House?
It is a noble goal to throw a flag on the field about credit card comparison sites, a topic Javelin...
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