The Hybrid Consumer: Embracing the Best of Both Digital and Physical
It is a fact that our world continues to become an increasingly digital one, with many once ubiquitous physical objects...
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Credit Cards
Stay updated with insights on credit cards at PaymentsJournal. Explore trends, news, and expert analysis on credit card solutions, usage, and the latest industry updates.
How Many Charge-Offs Are There for Small Credit Card Issuers?
Small credit card issuers are facing a significant challenge in today’s economic environment as charge-off rates rise across the industry....
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Top 5 Payment Card Types used by Customers
In an era where consumer expectations and environmental consciousness are reshaping industries, payment cards are also undergoing a transformation. With...
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Retail Credit Cards Offer Introductory Perks and Soaring APRs
Retail credit cards are a common way for retailers to attract and retain customers, but the skyrocketing APRs on many...
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Tough Economic Environment Is Causing Credit Challenges at Ally Financial
Inflation, high interest rates, and rising unemployment have put considerable pressure on consumers, which has created challenges for Ally Financial....
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Everyone Can Use an iPhone, But an Apple Card Isn’t for Everyone
Full Disclosure: I love my iPhone. It is a paid-in-full iPhone XS Max that is six years old and works...
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Dodd-Frank Stress Tests: Good News for Now, Watch for a Rugged 2025
Every year, the top U.S. banks undergo thorough stress tests of their lending portfolios to identify potential risks under stressful...
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Is Credit Card Line Utilization Increasing?
Over the past five years, the available balance on credit cards in the U.S. has shown significant fluctuations, reflecting the...
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Too Many Americans Don’t Know Their Credit Card Rates
Recent record highs in credit card balances may be attributed to various factors, but research reveals an explanation that hasn’t...
Read moreDetailsRising Credit Lines Pose Risk as U.S. Credit Card Debt Hits $1.14 Trillion
The Federal Reserve Bank of New York released its Q2 2024 consumer debt report, revealing a $111 billion increase in...
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