Discusses the reasons for different and changing rates, types of cards, competition, incentives and impact on consumers.
Written in 1995; 1,350 words; 6 sources; $ 47.95
From the Paper:
"Credit cards, the modern means by which consumers effectively issue themselves preapproved loans, have become an everyday fact of life for most adult Americans and for American business. Credit cards enable consumers to purchase items they would not be able to buy on a cash basis, increasing the convenience of purchasing large ticket items, and credit cards are used to guarantee even cash transactions ranging from purchasing groceries with a check to renting videos at the corner store. They are one of the most lucrative activities in which commercial banks engage, and deregulation of the banking industry has opened up the credit card market to strong competition. However, this increased convenience comes at a price. Unlike charge cards, such as American Express, which must be paid in full at the end of each billing period, consumers can carry ..."
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