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 ...
Tag: FICO
Stay updated on FICO-related news and insights. PaymentsJournal offers expert analysis on trends and innovations affecting credit scoring and the broader financial services industry.
Goldman Sachs: Three Big Cobrand Credit Cards and Near More than Half of U.S. Households
Morphing from investment banking into the rough and tumble world of consumer banking is not easy, but Goldman Sachs is ...
Schooling Goldman Sachs and the Apple Credit Card
It pays to watch FICO Scores, when you book new accounts and manage the credit cycle. Here is a case ...
FICO Scores are Objective, Relevant, and Reliable: Why You Need Them Throughout the Credit Cycle
To build upon two previous articles that unpack the recent Mercator Advisory Group white paper Credit Scoring, Fintech, and Consumer ...
Race and Credit Scores: It is a Social Issue, not a Scoring Issue
Any lender worth their salt does not care about race, religion, national origin, sexual orientation, or marital status. Lending is ...
The FICO Score and Alternative Data: Opening the Sales Funnel Is One Thing, Mitigating Risk Is Another
To build on an earlier article unpacking a new Mercator Advisory Group white paper, Credit Scoring, Fintech, and Consumer Loans: ...
FICO Scores: From Industry Invention to Future-Proof Independent Metric
To unpack a new Mercator Advisory Group white paper released this week, Credit Scoring, Fintech, and Consumer Loans: Why AI ...
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 ...
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 ...
CC Delinquency: Subprime Performance the “Canary in the Coalmine”
Credit card delinquencies have never been better than they were in 2021. According to the Federal Reserve, delinquent accounts for ...
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