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- Pier 1 Imports, Inc. Q3 2010 Earnings Call Transcript
- Question-and-Answer SessionOperator Operator Instructions Your first call comes from Budd Bugatch – Raymond James. Budd Bugatch – Raymond James Congratulations and happy holidays to you all. My first question has to do with you talked a little bit about average ticket and the credit card penetration. Historically I think...
- Earnings calls 2009-12-17
- How to fix credit card errors
- The Fair Credit Reporting Act is again your friend when it comes to fixing errors in your credit report. Errors in your credit report include mistakes but they also include omissions. It's possible that actions you've taken to pay off a debt or clear up a delinquency, for example, are...
- White papers 2003-09-08
- Securities Fraud in Contingent Outsourcing: Transactions Processing for Securitization of Asset Backed Securities
- Specialized outsourcing service providers manage the collection process for consumer receivables such as credit card debt, consumer installment purchases of goods from retail stores, home mortgages and other payment obligations. Securities underwriters package such receivables into collateralized mortgage obligations ("CMO's"), collateralized credit card securities, "securitized" receivables and similarly labeled special-purpose...
- White papers 2003-04-30
- Wrong Number
- Sniffing out fraudulent transactions can be a matter of common sense. While online fraud tactics are be-coming increasingly sophisticated, preventing credit card fraud doesn't have to require expensive monitoring tools. Much of fraud prevention lies in knowing how fraud works. Businesses serious about their fraud prevention often develop in-house historical...
- White papers 2001-03-01
- What Is The Value Of Recourse To Asset Backed Securities? A Clinical Study Of Credit Card Banks
- The present paper uses data from revolving credit card securitizations to show that, conditional on being in a position where implicit recourse has become necessary and actually providing that recourse, recourse to securitized debt may benefit short- and longterm stock returns, and long-term operating performance of sponsors. The paper suggests...
- White papers 2003-04-01
- As Trade Barriers Fall, Businesses' Exposure to Fraud Increases
- As high-profile CEOs continue to march off to court or to prison over accounting and business scandals, they serve yet another reminder that corporate fraud continues to be a concern. However, as experts note, another somewhat corporate fraud-perpetrated by individuals and directed against companies and their customers-also poses a dangerous...
- White papers 2003-01-01
- The Credit Card Cases
- Banks that are members of Visa and MasterCard would be well-advised to consider taking steps to limit their potential exposure to persons injured by the challenged antitrust violations. When Visa was unable to require banks to choose between Visa and MasterCard, most banks chose to be members of both and...
- White papers 2002-11-11
- Establishing a Transparent Market: Early Settlement Consumer Credit Advertising Form and Content of Credit Agreements APRs on Credit Cards On-line Agreements
- This white paper outlines proposals for making the provisions on early settlement fairer, simplifying the advertising regime, and making the form and content of credit agreements clearer and more transparent. These changes are necessary to bring the current legislation up to date and ensure it both reflects the ways in...
- White papers 2003-12-01
- Credit Card ABS Servicing Fee Adequacy and Priority
- The global reinsurance sector is currently characterized by a number of surprisingly contradictory features. The sector continues to report the type of strong underwriting results that have characterized it in recent years yet many participants are increasingly warning of softening market conditions. Capital continues to build within the sector yet...
- White papers 2004-09-07
- Plastic Fraud - Getting a Handle on Debit and Credit Cards
- State-of-the-art thieves are concentrating on plastic cards. In the past, this type of fraud was not very common. Today, it is a big business for criminals. Plastic cards bring new convenience to your shopping and banking, but they can turn into nightmares in the wrong hands. This article describes credit...
- White papers 2003-10-16
- Fraud Management in the Credit Card Industry
- Credit Card fraud can be defined as an unauthorized account activity by a person, for which the account was not intended. Operationally, this is an event for which action can be taken to stop the abuse in progress and incorporate risk management practices to protect against similar actions in the...
- White papers 2002-04-01
- An Empirical Analysis of Personal Bankruptcy and Delinquency
- This paper uses a new panel data set of credit card accounts to analyze credit card delinquency, personal bankruptcy, and the stability of credit risk models. It estimates duration models for default and assess the relative importance of different variables in predicting default. It investigates how the propensity to default...
- White papers 2001-08-01
- Bankruptcy Credit Card: How Choose One
- There are many credit card issuers out there promoting what some people refer to as "Bankruptcy credit cards" - that is, credit cards for people who have a bankruptcy on their credit report. Of course, these credit card issuers target individuals with poor credit in general, not just those with...
- White papers 2006-02-05
- Bankruptcy Law Backfires on Credit Card Issuers
- Credit card issuers and other lenders spent a small fortune to get bankruptcy reform legislation passed. Now the new law is costing them even more. An unprecedented spike in filings before reform took effect in fall 2005 is chewing into lenders' bottom lines, and the subsequent lull is showing signs...
- White papers
- Bankruptcy - Is It the Right Choice for You?
- Bankruptcy is one of the tougher choices that adults face in today's society where it is the norm to be in debt, albeit some more so than others. Credit card offers materialize whether a person is looking for credit or not. All with their own perks and benefits may sound...
- White papers
- Avoid Bankruptcy
- The first but definitely not the easiest thought that comes to most people when they are neck-deep in debt is to file bankruptcy. Filing bankruptcy seems to be the last straw left in the deluge of unpaid bills and abusive creditor calls. Credit cards should be given the lion's share...
- White papers 2005-07-09
- Ridding Yourself Of Bad Debt Without Bankruptcy
- Credit card debt creates anxiety and financial chaos. It caused many people trap into serious financial issue since the introduction of credit card. This plastic card create easy and convenient payment scheme for you to buy things without the need to worry about cash inside you wallet; frequently make you...
- White papers 2007-03-26
- Building An Emergency Fund
- An emergency fund isn't just for lower-income people who live paycheck to paycheck - many high earners live close to or beyond their means, maxed out on credit card debt and with large mortgage payments or other obligations. Even if you have a high net worth, your assets may be...
- White papers 2008-10-06
- Casey’s General Stores Inc. F2Q09 (Qtr End 10/31/2008) Earnings Call Transcript
- Question-and-Answer Session Operator Operator Instructions Your first question comes from [Megan O’Hara] - Friedman, Billings, Ramsey & Co. Megan O’Hara - Friedman, Billings, Ramsey & Co. I was hoping you could give some comments on what you’re seeing for gas margins for the first few weeks of...
- Earnings calls 2008-12-04
- RealNetworks, Inc. Q4 2008 Earnings Call Transcript
- Question-and-Answer Session Operator Operator Instructions Our first question comes from Vasily Karasyov - J.P. Morgan. Vasily Karasyov - J.P. Morgan I have a question for Rob. On the last call you said that you would see this environment as an opportunity to make acquisitions and all the...
- Earnings calls 2009-02-12
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