Twelve Actions to Improve Net Interest Income for Issuers:
Twelve actions to improve net interest income for issuers: To increase net interest revenue, underwrite to risk with a range...
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Debt
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Credit Card Interest Rates and Revolving Debt Hit Historic Highs in 2019:
Credit card interest rates and revolving debt hit historic highs in 2019: Credit card interest rates hit a 25 year...
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Targeting Perma-Debt, U.K. Banks Get Serious About Credit Card Minimum Dues
In the U.K., it is called 'persistent' credit card debt, but the U.S. credit card companies use a better phrase:...
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Minimum Dues and Minimum Don’ts: UK versus US Credit Cards
Credit cards in the United Kingdom are a mature market, being one of the first areas of global expansion by...
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One Way to Resolve Rising Credit Card Debt – Take the Card Away
An article in The Guardian refers to the upcoming deadline under the Financial Conduct Authority’s Affordability Rules for lenders to...
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Consumer Spending Keeps on Going. Will it Continue?
Consumer spending is an important economic indicator and can be a great way of evaluating the health of an economy....
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A Whole New World is Opening up for Lenders and Debt Collectors
The regulatory framework for oversight of the consumer debt collection industry has long been a patchwork of dated legislation. Beginning...
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TransUnion Study Offers Insights on Lending to Delinquent Borrowers
Conventional wisdom holds that providing a new loan to a currently delinquent borrower is not generally a profitable idea—“throwing good...
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Student Loan Debt: You Think You Have Problems?
It’s time for a breather on credit cards, just for a day. If you need to fill the void for...
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