Are Credit Card Balances Continuing to Rise?
Credit card balances have become an increasingly important topic for those looking to take control of their finances and improve ...
Tag: Credit Risk
Credit Card Late Fees: Much Ado About Nothing, or a Bigger Social Issue?
The CFPB published a report on late fees derived from credit cards. There are few surprises. The short takeaway is ...
Gas Prices, Inflation, and Credit Risk: Bracing for Portfolio Deterioration
So far, the first quarter of 2022 looks strong from a credit card risk perspective. Seasonally adjusted credit cards moved ...
Financial Inclusion: Regulators Must Harmonize Goals for CC’s & Lending
There’s plenty in the press on financial inclusion and ways to embrace the under-and-unbanked. Yesterday’s discussion on a solid solution ...
CFPB and Credit Cards: Proceed with Caution
A post at the CFPB blogsite indicated that the regulator would soon be reviewing the inner workings of the credit ...
U.S. Asset Backed Securitizations Almost Universally Leverage the FICO® Score, Even during the COVID Crisis
BOSTON, MA - September 21, 2021 Recent research from Mercator Advisory Group finds that asset-backed securitizations (ABS) continue to rely ...
Credit Card Standards, or Lack Thereof: Opportunities and Risks
Credit is a risk business. Revenue comes from interest rates calibrated with risk. Expenses come from marketing, servicing the debt, ...
2021 Credit Risk: Locked and Loaded in 15 Days
It may be the calm before the storm, but the numbers are exceptional. Collection managers, take solace in the fact ...
Mid Year Unemployment Rates and 2022 Credit Policy Planning
Full (or close to full) employment is a credit manager’s dream. People spend more, pay more, and begin to consider ...
Graduating from Secured Credit Cards to General Purpose: KeyBank Hits a Chord
Mercator Advisory Group's view of the secured card market showed how the product changed since the CARD Act of 2009 ...
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