Download or read book The Credit Card Industry written by Lewis Mandell and published by Macmillan Reference USA. This book was released on 1990 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the beginning with the Diners Club card in 1949 to the present, this is a history of credit cards and their impact on society.
Download or read book Expressing America written by George Ritzer and published by SAGE Publications. This book was released on 1995-02-09 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: The explosive growth of consumer credit, as well as the shift from cash to "plastic" in societies throughout the world signals a transformation in social relations, which is the focus of this book. For student readers who know the world of credit cards all too well, this is a great way to interest and educate them on the power of thinking sociologically.
Download or read book Debtfare States and the Poverty Industry written by Susanne Soederberg and published by Routledge. This book was released on 2014-09-19 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Download or read book Developing and Managing a Successful Payment Cards Business written by Jeff Slawsky and published by Routledge. This book was released on 2017-05-15 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: The credit card industry today is a multi-trillion dollar business that employs hundreds of thousands of people across the globe and impacts literally billions of people every day. Yet there is no comprehensive book or reference material available in the marketplace that provides fact-based perspectives on how to develop and manage a successful card business - despite the significant demand from all those involved in the industry. Developing and Managing a Successful Payment Cards Business offers information, analysis, observations, perspectives and advice on developing and managing a card business. There is comprehensive coverage of all areas including card business strategy, product development, customer acquisition and retention strategies, and product marketing techniques. The book also reviews underlying infrastructure components relating to operations and systems including risk management and transaction processing and suggests improvement techniques. There is detailed discussion on portfolio performance and profitability evaluation, as well as new technology developments and emerging payment systems such as chip cards and mobile payments.
Download or read book Credit Card Nation The Consequences Of America s Addiction To Credit written by Robert D. Manning and published by . This book was released on 2000-12-25 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Card Nation is the first comprehensive look at an ongoing social and economic crisis-America's escalting dependence on credit. By locating consumer debt within the context of corporate and governmental debt.
Download or read book Into the Red written by Alya Guseva and published by Stanford University Press. This book was released on 2008-04-01 with total page 219 pages. Available in PDF, EPUB and Kindle. Book excerpt: Into the Red explores the emergence of a credit card market in post-Soviet Russia during the formative period from 1988 to 2007. In her analysis, Alya Guseva locates the dynamics of market building in the social structure, specifically the creative use of social networks. Until now, network scholars have overlooked the role that networks play in facilitating exchange in mass markets because they have exclusively focused on firm-to-firm or person-to-person ties. Into the Red demonstrates how networks that combine individuals and organizations help to build markets for mass consumption. The book is situated on the cutting edge of emerging interdisciplinary research, linking multiple layers of analysis with institutional evolution. Using an intricate framework, Guseva chronicles both the creation of a credit card market and the making of a mass consumer. These processes are placed in the context of the ongoing restructuring in postcommunist Russia and the expansion of Western markets and ideologies through the rest of the world.
Download or read book U S Credit Card Industry written by United States. General Accounting Office and published by . This book was released on 1994 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Plastic Money written by Alya Guseva and published by Stanford University Press. This book was released on 2014-02-26 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up—by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism.
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Download or read book U S Credit Card Industry written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 1994-07 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt: An assessment of the competitiveness of the U.S. credit card industry. Discusses the structural characteristics of the industry, explanations for the stability of credit card interest rates, and the advantages and disadvantages of various policy options such as an interest rate cap. Charts and tables.
Download or read book A Piece of the Action written by Joe Nocera and published by Simon and Schuster. This book was released on 2013-10-15 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now with a new introduction describing the fallout of America’s consumer credit boom, 1994’s wildly acclaimed bestseller A Piece of the Action tells the story of how millions of middle class Americans went from being savers to borrowers and investors through the invention of credit cards, mutual funds, and IRAs—resulting in profound societal change. “America began to change on a mid-September day in 1958, when the Bank of America dropped its first 60,000 credit cards on the unassuming city of Fresno, California.” So begins Joe Nocera’s riveting account of one of the most astonishing revolutions in modern American life—what Nocera labels “the money revolution.” In the decades since, the middle class has gained access to credit cards, to mutual funds, to retirement accounts—and to hundreds of other financial vehicles that have allowed everyone to get “a piece of the action.” In this lively, engaging book, some of the great financial characters of modern times—from Charles Merrill to Charles Schwab to Peter Lynch—strut across the stage as the course of this great financial shift is charted. In an all-new introduction, Nocera takes a look back at the consequences of the money revolution. Were members of the middle class as prepared as the innovators claimed to take control of their financial lives? Or did events like the dot-com and the housing bubbles suggest something else: that far too many of us lacked the wherewithal to make sound investment decisions?
Download or read book How You Can Profit from Credit Cards written by Curtis E. Arnold and published by FT Press. This book was released on 2008-06-06 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.
Download or read book Credit Card Processing for Sales Agents written by Bill Pirtle and published by Mpct Publishing Company. This book was released on 2012-06-01 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: Book will use the best minds in the credit card processing industry writing in their areas of expertise to help train processing agents.
Download or read book Payments Systems in the U S written by Carol Coye Benson and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Payments Systems in the U.S." is a comprehensive description of the systems - (cards, checks, cash, ACH, etc.) that move money between and among consumers and enterprises in the U.S. In clear and lively writing, the authors explain what they systems are, how they work, who uses them, who provides them, who profits from them and how they are changing. Anyone working in the payments industry - or needing to use payments products - can benefit from understanding this. The second edition updates information on card, ACH, and check systems, as well as providing perspective on developments in emerging payments.
Download or read book Credit Card Marketing written by Bill Grady and published by Wiley. This book was released on 1995-03-02 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retailers nationwide are discovering that private label credit cards are one of the most dynamic marketing tools ever to come down the pike. Not only do they act as a powerful draw for new customers, but, according to recent marketing studies, private label cards help build customer loyalty. They are also a nearly limitless vehicle for promotional offers, discounts, premiums, and other potent customer incentives. And they provide retailers with an unprecedented means of gathering valuable customer-profile and purchasing information which can then be used to build a targeted database for generating mailing lists, strategically managing inventory, segmenting the most profitable customers, and more. Now, in the first and only book devoted exclusively to the subject, credit card marketing legend Bill Grady tells you everything you need to know to successfully develop and market a private label credit card, or to more effectively use an existing one to expand your customer base. The man behind many of the major innovations in the field, Bill created and managed the largest and most successful credit card program in the home center industry and has worked with many prestigious Fortune 500 companies to develop their programs. In Credit Card Marketing, he shares the fruits of his more than twenty-five years in the business and fills you in on all the successful credit marketing techniques now in use at today's sharpest, most innovative retail stores, banks, oil companies, and travel and entertainment providers. Writing in a warm, down-to-earth style, he takes you step-by-step through the entire process, from prescreened and preapproved solicitations, to direct mail, telemarketing, and in-store promotions, from premiums and sign-up programs, to frequent shopper and card enhancement programs. He also offers detailed scheduling guidelines to help you understand the lead times involved in various programs; guidelines on how to train employees to effectively market credit cards; and an entire chapter on how to develop and execute a winning credit card marketing plan. And along the way, Bill Grady reveals dozens of insider tips, insights, and rules of thumb that alone make Credit Card Marketing worth more than its weight in platinum. A guide to exploiting the full potential of one of today's most versatile marketing tools, Credit Card Marketing is must reading for all retailers, banks, and others. For as Bill Grady so poignantly puts it: "In today's economic environment those who understand how to get the most from their marketing dollars will be the ones around in a few years to talk about their success." "I've known Bill for twenty-three years . . . his passion for stimulating sales through promotions and direct marketing can only be defined as AGGRESSIVE, CREATIVE, and SUCCESSFUL." —Ray Rawley, Director of Retail Credit Lowe's Companies, Inc. "At last . . . a book that catalogs and fully explains each weapon in the credit marketer's arsenal. Must reading for all credit issuers." —David Garron, President and CEO, First North American National Bank (Circuit City Stores) "A creative and positive approach to credit marketing as translated by a true professional in the credit industry." —Jim Heatherly, Credit Marketing Manager The Home Depot "Bill's commonsense approach to credit marketing really comes through. A must read for the marketing manager and a must read reminder for those of us removed from the day-to-day reality." —Ralph Spurgin, President and CEO Limited Credit Services "The '80s ideas won't work in the '90s. Grady's Credit Card Marketing is a must for credit grantors with ambitious goals." —Bill Bloom, Vice President Credit Sales and Services, Saks Fifth Avenue "Everyone from Assistant Credit Marketing Manager to the Vice President of Credit will benefit as Bill Grady shares his experiences, common sense, practical applications, and inside tips." —Ed Epstein, Vice President, Credit Specialty Department Stores, Inc. (Uptons, J. Byrons, Steinbach) "Veterans and rookies all can learn from Bill's experience. A must read." —Harry Gambill, President and CEO Trans Union Credit Information Company "Bill's experience in retail credit promotions guarantees this will become a handbook for all credit managers." —Suzanne E. Boas, President, Greater Atlanta Consumer Credit Counselling Service Former Vice President, Credit and Consumer Affairs, Macy's/Bullock's "The '90s are the decade of change. Bill's book reinforces the importance of credit marketing and the effect it will have on all of our businesses this coming decade." —Ted L. Spurlock, Senior Vice President and Director of Financial Services, JC Penney Company "I've heard Bill speak many times and with authority about credit marketing. I'm glad he's decided to put it all in writing . . ." —Ronald Prill, Vice President, Credit Mervyn's (Division of Dayton Hudson)
Download or read book Consumers and Credit written by National Consumer Council and published by . This book was released on 1980 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book 1992 National Adult Literacy Survey Weighting and population estimates written by and published by . This book was released on 1999 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt:
