Retail Banking Branches: The Forgotten Credit Card Marketing Channel
With the publication of our most recentCustomerMonitor Survey Series Report, Consumers and Retail BankingChannels: Old Channels Never Die, I am...
Wells Fargo and Chase to Issue EMV Cards to Travelers: Yes!
I will admit I have been a personalpartisan in favor of issuing EMV cards to U.S. travelers. I am notthe...
Revolving Credit Declines Again: So Much For The Holiday Season
This blog entry seems to be déjà vu. Consumerrevolving credit declined an estimated $2.7 billion in Februaryfrom January (which was...
Reg Z and Individual Ability To Pay: Credit Is No Longer A Household Word
The Fed's new amendment to Reg Z regardingindividual ability to pay is a double-edged sword-on one hand aprotection against the...
The Charge-Off Tide Recedes (Halfway)
Most of the news from top issuers has beenpositive on the charge-off front, at least relatively speaking.According to Federal Reserve...
Latte With Those Fries?
Today's economy continues to drive surprises inconsumer spending. According to new consumer and business spendingdata for Q4/2010, released by American...
Take The Compliment When It Is Offered
This week the Consumer Financial ProtectionBureau released study findings complimenting the credit cardindustry for its compliance with the CARD Act....
Annual Fees: No Place Left To Hide?
Reports this week of Bank of America adding $59 in annual feesselectively to its credit card accounts is, on the...
Consumer Credit: Good News, But Just One Data Point
After declining continuously for about twoyears, the recent uptick in consumer revolving credit outstanding(the Federal Reserve's monthly G19 statistic) is...
Credit Recovery: Where’s The Barbell?
Let's entertain a simplistic, sound bite versionof the U.S. consumer marketplace: the "haves" and the "have nots."If the holiday season...
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