Happy Holidays: Expect Credit Card Debt to Pass $1 Trillion.
Credit card revolving balances hit a historical high, as shown in the Federal Reserve’s most recent update. Revolving credit card...
Wrestling with Durbin 2 and Regulation II
Payment industry pundits and politically motivated legislators should look at the complexities found in Regulation II. Furthermore, they should look...
Big Banks, Small Banks: Big Differences in Credit Card Charge-Offs
A credit card charge-off occurs when the account is 180 days delinquent. At this point, the financial institution must take...
With 2023 Days Away, Credit Card Delinquencies Bubble
With less than a month left in 2022, credit card issuers can revel in low delinquency rates. But watch out...
Capital One: (Much) More Than a Credit Card Company
Capital One has built a strong reputation in the payments industry since its founding in 1994 as a monoline bank...
New Credit Card Applications: Thanksgiving for the Household Budget
The most recent data from the Federal Reserve Bank of New York indicates that credit card applications increased in Q3...
Broken Record? Credit Card Metrics Surge Again
We recently mentioned a new record on the average credit card interest rate hitting 19.04%. Now comes another high point:...
Setting Records in Credit Cards: Interest Rates Hit a New High
Some records are meant to be broken, and the world cheers. Think about Jesse Owens and the 1935 Berlin Olympics...
The Ghost of Christmas Future: Protect Your Credit Card Books
Charles Dickens’ Ghost of Christmas Yet to Come brings Scrooge’s sad life to mind. In today’s context, the issue surrounds...
Goldman Sachs: Credit Card Risk is Different from Investment Banking
Being an investment banker doesn’t necessarily mean you can be a credit card lender or retail bank. Established financial institutions...
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