Fed Payment Study: Record Growth in Non-Cash Payments
The Federal Reserve published its Non-Cash Payment study, a tri-annual report on cash displacement. Here are seven things you should ...
Tag: PLCC
Trailing Interest Confuses Bread Customers: Watch Out for the Details!
Private label credit card (PLCC) companies have plenty to deal with as retail sales slip and Buy Now, Pay Later ...
Fresh Bread at Alliance Data: Watch for a Major Uplift to PLCC and BNPL
When we read of Citi’s Ralph Andretta joining Alliance Data (ADS) in 2020, we suggested that “three would be the charm,” ...
Capital One Scores Again with Kohl’s Private Label Credit Cards
It takes a lot to keep a Private Label Credit Card relationship going these days. Bank margins are under more ...
CFPB Regulatory Sandbox: Looking Back and Forward in Credit Cards
There will likely be changes coming to the Consumer Financial Protection Bureau, as we highlighted in our year-end CFPB review, ...
Alliance Data: Is Three a Charm with a New CEO?
The private label credit card (PLCC) business faces unique challenges in the U.S. market. PLCC companies are highly sensitive to ...
Secured Credit Cards: No Longer Hard Money Lending, A Path to General Purpose Credit Cards
Secured credit card gave the business a bad reputation before the recession. The space was filled with third-rate lenders who ...
Synchrony: Creating a Super Private Label Credit Card
It looks like PLCC 2.0 has arrived. Instead of the business model linking iconic retailers, or top retail stores, Synchrony’s ...
Credit Card Rewards: Easy But Not Cheap
You can’t argue that credit card rewards stimulate spending after almost 35 years since Citi’s American Airlines AAdvantage test, but ...
Synchrony Expands its Closed Loop Multi-Store Private Label Credit Card
Synchrony surely is not resting on their laurels after reporting strong fourth quarter 2018 results last week. Two weeks ago, ...
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