Bankcard

Balance transfers: a profitable opportunity

Posted on Oct 17 2014 by

Card-to-card balance transfers represent a substantial profit opportunity for lenders.

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The power of data quality

Posted on Sep 08 2014 by

Data quality continues to be a challenge for many organizations as they look to improve efficiency and customer interaction.

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Delinquencies fall as bankcard originations continue growth trend

Posted on Aug 11 2014 by

While bankcard originations increased 26 percent year over year to $85.3 billion in Q2 2014, delinquencies continued their downward trend, reaching 0.47 percent of balances — an 8 percent decline year over year.

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Average debt amounts increase while average credit scores hold steady

Posted on May 27 2014 by

Experian’s most recent Credit Trends study analyzing current debt levels and credit scores in the top 20 major U.S. metropolitan areas found that Detroit, Michigan, residents have the lowest average debt ($23,604) and Dallas, Texas, residents have the highest average debt ($28,240).1

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Declining balances and rising delinquencies cause setback in Q1

Posted on May 15 2014 by

Following a full year of steady improvement, small-business credit conditions stumbled during the first quarter of 2014.

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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).

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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.

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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.

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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.

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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.

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