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- Beat Tough Credit Card Terms
- Card companies are raising rates, lowering credit limits, and boosting minimum payments. Here's how to get your mind off of the punishing terms — or at least handle the changes if you're stuck with your card... You probably don't spend as much on your credit card as you...
- Articles 2009-04-14
Additional Resources
- Setting Credit Limits
- Like most elements in credit management, setting 'Credit limits' is an art and not a science of granting credit. There are seasoned credit professionals that have used and relied merely upon their gut feeling to grant credit limits. However, it is always better to take a 'calculated' risk than base...
- White papers 2009-01-01
- Credit Cycles
- This paper is a theoretical study into how credit constraints interact with aggregate economic activity over the business cycle. Paper construct a model of a dynamic economy in which lenders cannot force borrowers to repay their debts unless the debts are secured. In such an economy, durable assets such as...
- White papers 1997-03-19
- Erste Bank - Algo Credit Case Study
- Erste Bank, based in Vienna and a leading bank in Central Europe, set out to find a state-of-the-art limit management system that would allow it to increase the volume of business it could do without extending its credit limits. The bank chose Algorithmics' Algo Credit, including its global limits functionality...
- Case studies
- How To Choose Between A Credit Card And A Charge Card
- People sometimes use the terms "Credit card" and "charge card" interchangeably. However, they are different animals, and their differences should be clearly understood by any business owner searching for new credit. Small business owners often rely on credit cards to start a business, or to float purchases while waiting for...
- White papers 2009-06-26
- Santander and Landesbank sign up to Global Limits.
- Byline: Heather McKenzie Santander Central Hispano of Spain and Germany's Landesbank Schleswig-Holstein have selected Kondor Global Limits, a real-time global credit risk management tool from Reuters, the global information vendor.Santander Central Hispano has deployed the product to manage its global credit limits and...
- Research articles 2003-03-24
- Abeles publishes credit limits. (Banks supervisor, Ze'ev Abeles)
- Banks supervisor, Ze'ev Abeles, has published an amendment to the regulations covering corporate banking operations with related parties. The principal objective of the change is to prevent the financing of an acquisition of a controlling interest in a bank, directly or indirectly, by means of a...
- Research articles 1997-05-15
- Small Business Alert: How to Survive If You Lose Credit
- Credit card companies and banks are cutting back drastically on loans and credit lines. Here's what to do if your cash flow gets squeezed. Don’t Just Accept Credit Changes as Final ...
- Articles 2009-06-11
- College Kids and Credit Cards: What Every Parent Needs to Know
- The plastic providers have one more chance to lure in college students before next year's law prevents them. Here's how to make your kid "card smart." The era of “No Student Left Behind: Credit Card Edition” will come to an end early next year, thanks to the new credit...
- Articles 2009-09-10
- Credit Cards: How to Get the Last Great Deals
- Issuers are now approving few new customers and charging steep rates with low credit limits. So say goodbye to those 3.99 percent teaser offers and zero percent balance transfers. “These days, you should not expect to get a $20,000 credit line right off...
- Articles 2009-07-07
- Britons Face Higher Credit Card Charges
- LONDON (Reuters UK) - Consumers face higher rates and fees on credit cards as lenders battle rising bad debts, funding constraints and reduced appetite for borrowing, accountants PricewaterhouseCoopers said on Monday.These changes, combined with rising regulatory and government scrutiny, would shake up the market and prove the current model based...
- News items 2009-11-09
- Exploit Revolving Credit
- If you've got good credit, use it. Pull cash from revolvers to have it on hand, so you can make other payments or pursue growth. The scenario: A company is in a stable position to acquire or grow, but...
- Articles 2008-11-20
- Can You Get Credit Now?
- Yes, lenders are starting to loosen up. But apply for a mortgage, refinancing, home-equity credit line, car loan, or credit card, and you'll quickly learn that the credit crunch isn't over.It's no secret that the Obama administration, the Fed, and Congress would love nothing more than to see banks start...
- Articles 2009-07-07
- Credit Card Consumer Guide
- Until the Fed cleans up the credit card industry, take matters into your own hands. Protect yourself from rate hikes and punitive rule changes with these tips. As if things weren't rough enough for your finances these days, credit card issuers have started to play rough. They're jacking up...
- Articles 2009-04-15
- Indecent exposure: Credit Policy
- Financial institutions are stepping up their credit risk management policies and implementing new measures to control credit limits. The paper, Principles for the management of credit risk, places much emphasis on the responsibility of senior management to formulate, agree and implement a structured credit policy. Some of the main areas...
- White papers
- Advising Customers of Their Credit Limit
- In some companies, a credit limit can be defined this way: The credit limit is the maximum amount that we will ship to a customer without updating the credit file and making a decision about whether an increase is warranted. In other companies, a credit limit is something quite different....
- White papers 1995-01-01
- Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence From Credit Card Data
- This paper utilizes a unique new dataset of credit card accounts to analyze how people respond to changes in credit supply. The data consist of a panel of thousands of individual credit card accounts from several different card issuers, with associated credit bureau data. The paper estimates both marginal propensities...
- White papers 2001-06-01
- Circuit City Loses More Than Credit Agency Approval
- Less than two weeks after reporting a $239.2 million second-quarter 2009 loss, the Washington Post is reporting that Circuit City, the consumer electronics giant, lost a recommendation from Bernard Sands, a consulting firm that sells credit and performance data to manufacturers on their retailing customers. The withdrawal by Bernard Sands...
- Blog posts 2008-10-10
- Circuit City Confronted By New Credit and Vendor Problems
- Less than two weeks after reporting a $239.2 million second-quarter 2009 loss, the Washington Post is reporting that Circuit City, the consumer electronics giant, lost a recommendation from Bernard Sands, a consulting firm that sells credit and performance data to manufacturers on their retailing customers. The withdrawal by Sands signaled...
- Blog posts 2008-10-10
- Credit - Collection Clerk
- The Credit - Collection Clerk job description template includes the following job summary: To process credit applications, check credit references, and assign credit limits following predetermined policies. Contacts delinquent accounts to request payment and prepares related reports. Additional information available includes essential job functions, additional responsibilities, and education and experience...
- Tools & templates 2007-09-09
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