Tag: bankcard

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Credit card debt reaches highest level since 2009...

Experian data shows consumers are more confident managing their credit since the recession. The Q3 2015 Experian Market Intelligence Brief was released today featuring data...

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Prepping for Post-Holiday Credit Trends and Behaviors...

This month, it’s all about parties and gift giving and holiday traditions. Fast forward a month, however, and consumers will be in a different...

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“Black” or “red” holiday?...

Using bankcard utilization to forecast holiday spend It’s officially November, and like me, you’ve probably noticed all the holiday promotions in your mailbox and...

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The Experian Market Intelligence Brief: The latest con...

Industry leading consumer credit trend data The complete picture of consumer credit trends from Experian’s database of over 230 million consumers Today we launched The...

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Bankcard performance remains strong...

Up to this point, I’ve been writing about loan originations and the prospects and challenges facing bankcard, auto and real estate lending this year.  While things are off to a good start, I’ll use my next few posts to discuss the other side of the loan equation: performance. If...

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The irony in real estate originations...

In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their growth prospects in 2012.  With real estate lending however, the recovery, or lack thereof looks like it may continue to struggle throughout the year. At...

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Credit Cards Making a Comeback...

A surprising occurrence is happening in the consumer credit markets. Bank card issuers are back in acquisition mode, enticing consumers with cash back, airline points and other incentives to get a share of their wallet. And while new account originations are nowhere near the levels seen in 2007, recent growth...

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Consumer Lending: Expanding your portfolio...

By: Kari Michel What are your acquisition strategies to increase consumer lending and gain market share? This blog will discuss new approaches to create segment-based targeting campaigns and the ability to precisely time the offer delivery with consumer needs. The most aggressive and successful banks are using need and attitudinal segmentation, coupled with...

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The final chapter of the Credit Card Act...

By: Wendy Greenawalt The final provisions included in The Credit Card Act will go into effect on August 22, 2010. Most lenders began preparing for these changes some time ago, and may have already begun adhering to the guidelines. However, I would like to talk about the provisions included and...

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Optimize marketing strategies while reducing costs...

By: Wendy Greenawalt Marketing is typically one of the largest expenses for an organization while also being a priority to reach short and long-term growth objectives. With the current economic environment, continuing to be unpredictable many organizations have reduced budgets and focused on more risk and recovery activities. However,...

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Risk reward – The challenge of market entry timing, Pa...

In a continuation of my previous entry, I’d like to take the concept of the first-mover and specifically discuss the relevance of this to the current bank card market. Here are some statistics to set the stage: • Q2 2009 bankcard origination levels are now at 54 percent of Q2...

Read More Risk reward – The challenge of market entry timing, Part 2
Risk reward – The challenge of market entry timing, Pa...

I’ve recently been hearing a lot about how bankcard lenders are reacting to changes in legislation, and recent statistics clearly show that lenders have reduced bankcard acquisitions as they retune acquisition and account management strategies for their bankcard portfolios. At this point, there appears to be a wide-scale reset...

Read More Risk reward – The challenge of market entry timing, Part 1