Bankcard Trends

Insight into credit trends and data intelligence for the bankcard industry.

Northeastern states dominate top 10 list...

Posted on Jan 06 2013 by
To learn the status of Americans' current credit card spending, Credit.com recently compiled a list of the states with the highest average bankcard balance per consumer in the third quarter of 2012. While several Northeastern...

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Investing in customer-centric strategies yields improved ROI...

Posted on Dec 04 2012 by
Returns on investment from superior customer-centric strategies easily can exceed 20 percent in the first year of implementation. However, this number is compounded exponentially in subsequent years due to repeat business, new...

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Turkey production grows by 2 percent in 2012 compared with 2...

Posted on Nov 26 2012 by
Six states are the top producers of turkeys: Minnesota at 46 million, North Carolina at 36 million, Arkansas at 29 million, Missouri at 17.5 million, Virginia at 17 million and Indiana at 16.5 million. This accounts for nearly...

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Validating a model used with overlay criteria...

Posted on Nov 11 2012 by
When validating a model in the presence of overlay criteria, it is important to remember that any metrics computed at the aggregate portfolio level will not be indicative of the model's true performance. While traditional...

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Retail card balances vary by credit score tier...

Posted on Nov 04 2012 by
As of Q2 2012, subprime borrowers are carrying the largest retail card balances, with an average card balance per account of $620 and $700 for VantageScore® D and F tiers, respectively. The national average balance on a retail...

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Investing in customer-centric strategies yields improved ROI...

Posted on Oct 28 2012 by
Returns on investment from superior customer-centric strategies easily can exceed 20 percent in the first year of implementation. However, this number is compounded exponentially in subsequent years due to repeat business, new...

Read more ››

Bankcard utilization rates declining, but still high for sub...

Posted on Oct 25 2012 by
Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and 81% respectively. In comparison, VantageScore A tier (super...

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Bankcard and mortgage default rates hit new lows...

Posted on Oct 07 2012 by
The August 2012 edition of the S&P/Experian Consumer Credit Default Indices showed that bankcard, first-mortgage and second-mortgage default rates hit new post recession lows. The first mortgage default rate decreased...

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Study ranks cities with the highest credit scores...

Posted on Oct 01 2012 by
In Experian's recent State of Credit study which analyzes credit scores in more than 100 cities, Minneapolis took the number one spot, with an average VantageScore® of 787. The Midwest dominated the top 10 spots in the rankings...

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