Items Tagged with 'card'

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Survey: Young Credit Card Users are Better Credit Risks

Middle-aged consumers are more likely to have a serious delinquency than 19-year-olds.
December 7, 2013
Those who obtain credit cards early in life tend to be better credit risks in the long-term.
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Don’t Pinch Pennies on Credit Lines

Once consumers use half of their available credit card lines, they stop adding new charges.
August 8, 2013
Adjusting credit lines requires continuous monitoring of members’ credit scores.
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Growing Card Use Bodes Well for CUs

Banks are on the prowl in the card arena, and CUs need to be equally aggressive.
July 18, 2013
CUs’ credit card loans outstanding grew 5.7% during 2012, up from 3.9% in 2011 and 3.1% in 2010.
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Special Report: Eighth Annual Underbanked Financial Services Forum

Lenders strive to bring underbanked consumers into financial mainstream.
June 10, 2013
‘Our focus is on the consumer’s need to borrow, spend, save, and plan better.’
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Report: Older Americans Running Up Credit Card Debt

Job loss, medical bills lead to a growing debt burden.
June 10, 2013
One-fourth of older households have taken on credit card debt to help other family members.
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Special Report: National CU Youth Week

Why You Shouldn’t Take Financial Advice from Justin Bieber

CUs offer better alternatives for young consumers than celebrity prepaid cards.
April 22, 2013
Many CUs use prepaid cards as a transition to mainstream products.
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TwentyFour\Seven

Olympia Beer Fans Get Carded

CU goes retro with Olympia Brewery logo on its credit cards.
March 18, 2013
The “Oly Gold” card taps into Olympia’s strong regional identity, which made it a Hollywood product placement hit in the 1960s and ’70s.
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EMV is coming to the U.S.

Massive smartcard adoption will reduce fraud but require extensive replacement of cards and readers.
March 8, 2013
The EMV (Europay, MasterCard, and Visa) standard serves as the backbone for future payment technologies.
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CU Cards On the Upswing

At year-end 2010, aggregate CU credit card loans and other revolving credit plans totaled $36.4 billion.
February 1, 2013
CUs boast some of the industry’s lowest credit card interest rates.
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Look Outside the CU Movement for Rewards Inspiration

Rewards programs are a go-to strategy across industries.
December 28, 2012
Nearly 90% of U.S. consumers participate in some type of rewards program.
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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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