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A review of credit card literature: perspectives from., Credit card literature review

Credit card literature review

According to Zhao, , and Song. I (2009), credit card lending is risky for card issuers because the loans are usually not secured by any assets. Furthermore, unlike traditional loans, which are discrete, typically involve an individual analysis of credit risk, and have a specific maturity date, credit cards invite a continuous flow of borrowing with limited subsequent checks of financial status after the initial issuance of the card. It is so important to card issuers to identify consumer risk types as early stage to prevent risky consumers from borrowing too much before default appears and customize their marketing strategies to different the customer groups.

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The good news is that are hundreds of online sites offering tips on not just what it will cost, but what you can do to pay for it. So, take a deep breath and check out these sites that should help you find a college you can afford to attend.

Major credit cards are usually issued through banks or credit unions . They bear the Visa, MasterCard, Discover or American Express logo. Some carry incentives that distinguish the cards and place them in categories. For example, a reward card is a type of major credit card that offers attractive incentives for consumers. Reward cards give cardholders airline miles, points toward hotel nights at specific chains, or other perks. Some reward cards also provide cash back on purchases.

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Credit card literature review

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credit card literature review
credit card literature review

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