Bankcard

New card limits increase only for top credit tiers

Posted on Apr 17 2014 by

Bankcard originations had a 32 percent year-over-year increase in Q4 2013 ($61 billion to $81 billion).

Eastern states continue to pay late

Posted on Mar 13 2014 by

While access to small-business credit is improving and credit balances are increasing, key differences still remain across the United States.

Does your risk model stand up against the test of time?

Posted on Mar 06 2014 by

Using a risk model based on older data can result in reduced predictive power.

Credit index improves for fourth consecutive quarter

Posted on Feb 21 2014 by

Small-business credit conditions wrapped up the year by showing continued improvement for the fourth consecutive quarter.

Holiday email trends

Posted on Feb 05 2014 by

The volume of emails sent by marketers rose nearly 13 percent during the 2013 holiday season compared to 2012.

Social media is a key driver of traffic to retail Websites

Posted on Jan 12 2014 by

According to Experian Marketing Services’ holiday peak week analysis, social media proved to be a key research tool for holiday shoppers and a crucial driver of traffic to retail Websites.

Using a more inclusive scoring model to reach new segments

Posted on Jan 07 2014 by

With most lenders focused on growth as the top priority for the new year, having the ability to score more consumers is key.

Small-business credit quality continues to improve

Posted on Nov 17 2013 by

The credit appetite for small businesses is strong and growing. Total outstanding balances have risen at their fastest rate in two years, and delinquency rates have fallen at a consistent pace. Only 10 percent of outstanding small-business credit balances were past-due in Q3 — the lowest level of delinquency seen since the recovery began. While […]

Bankcard delinquencies decrease year over year

Posted on Nov 09 2013 by

Credit trends from the most recent Experian–Oliver Wyman Market Intelligence Report point to a steady economic recovery. Bankcard charge-offs decreased 13 percent year over year (4.5 percent versus 3.9 percent) and delinquent dollars for the 90–180 day past due delinquencies decreased 17.5 percent for the same timeframe (1.6 percent to 1.3 percent). These trends are […]

Delinquency rates remain low in Q2 2013

Posted on Nov 02 2013 by

Credit unions were the only type of lender to have their 30 day plus delinquency rate fall below 2 percent for several key product categories. The table below provides the delinquency rate by lender and product. 30 day plus delinquency rate Q2 2013   Auto* Mortgage Bankcard Credit unions 1.52% 1.36% 1.99% Banks 2.01% 4.91% […]