Credit Card Industry Remains Robust but Must Brace for Economic Instability
Despite the current economic conditions and the highest inflation rate in almost four decades, the credit card industry continues to ...
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.
KeyBank Reports Successes with its Secured Card Program
It’s no secret that consumer budgets are starting to strain as they deal with inflation and rising costs of living. ...
Rumble On Aisle 5: Walmart Sues Capital One On Co-Brand Partnership
We heard a story like this one back in 2019, when Walmart sued Synchrony on their co-brand card. Remember when ...
Goldman Sachs: An Expensive Lesson in Credit Cards & Consumer Credit
It seemed like a good idea to get into lending back in 2016. Then three years later, Goldman Sachs made ...
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 ...
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: ...
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