Daim npav pub dawb $30 Costco khoom plig; Teebmeem Teebmeem Rau Kev Lag Luam

Teeb meem tshwm sim tshwm sim raws li daim npav rho nyiaj nuj nqis hits Cov ntaub ntawv siab

Raws li credit card nuj nqis tau nce siab txhua lub sijhawm, tsuas yog txaj muag ntawm $ 1 trillion, nyob rau hauv peb lub hlis kawg ntawm 2022, delinquencies ntawm cov neeg qiv nyiaj tau nrawm dua. Cov nyiaj tshuav tau nce $ 61 nphom hauv lub quarter thib plaub los ntawm ib qho dhau los rau $ 986 billion, Tsoom Fwv Teb Chaws Reserve Bank of New York pom. Qhov ntawd yog qhov loj tshaj plaws ntawm peb lub hlis twg nce thiab tag nrho qhov siab tshaj plaws txij li cov koob tau pib xyoo 1999. Tib lub sijhawm, tus nqi ntawm cov neeg tuav daim npav rho nyiaj tsis tau them nyiaj thiab dhau los ua ntau dua 90 hnub tom qab tau siab dua ua ntej muaj kev sib kis, tshwj xeeb tshaj yog cov neeg qiv nyiaj hluas, ib qho kev txhawj xeeb uas muaj feem cuam tshuam thaum cov tub ntxhais kawm qiv nyiaj ncua sij hawm nqa tom qab xyoo no. [Yahoo nyiaj txiag]

Koj tuaj yeem tau txais $ 30 Gift Card rau Kev Koom Tes Costco Tam Sim No

Peb twb tau ua lej thiab txiav txim siab $ 60 Costco Gold Star ua tswv cuab yog tsim nyog rau cov nyiaj ntsuab, tab sis nws yog qhov zoo dua thaum koj tau txais nyiaj rov qab los koom nrog. Rau lub sijhawm txwv, thaum koj tso npe rau Costco cov tswv cuab yooj yim, koj yuav tau txais $ 30 "Digital Costco Shop Card," uas yog txoj kev nyiam tshaj plaws ntawm kev hais tias $ 30 los siv rau txhua yam koj xav tau ntawm Costco. [Neej Neeg]

Bank of America thiab JPMorgan Chase Report Rising Delinquencies

Ob lub tsev txhab nyiaj loj tshaj plaws hauv Teb Chaws Asmeskas tau tshaj tawm cov nqi delinquency ntawm lawv daim npav rho nyiaj. Ob Lub Tuam Txhab Nyiaj Txiag Tebchaws Asmeskas thiab JPMorgan Chase tau hais nyob rau hauv cov ntaub ntawv nrog Securities thiab Exchange Commission tias lawv cov nqi delinquency tau nce thaum Lub Ib Hlis. Cov xov xwm no tuaj ob hnub tom qab Discover Financial tau tshaj tawm tias nws daim npav rho nyiaj tsis txaus ntseeg tau nce txhua lub hlis txij li lub Tsib Hlis 2022, nce mus txog 2.67% thaum Lub Ib Hlis, thiab nws cov nqi them tawm yog qhov siab tshaj plaws uas nws tau pom txij lub Ob Hlis 2021 thaum nws tsoo 2.81. % hauv lub Ib Hlis. Lwm lub koom haum tsis ntev los no tau tshaj tawm tias lawv tab tom pom kev tsis txaus ntseeg ntawm cov neeg qiv nyiaj subprime thiab ze-prime qiv. [PYMNTS]

Visa thiab Mastercard Tau Txais Blockchain Technology. Nws yog Smart Long-Term Strategy

Xav txog qhov cuam tshuam ntawm blockchain thev naus laus zis, ib tus tuaj yeem raug zam txim rau kev xav tias cov neeg them nyiaj ib txwm muaj kev txhawj xeeb heev, thiab tej zaum txawm tias muaj kev sib cav rau, txoj kev them nyiaj tshiab. Tab sis theej, Visa thiab Mastercard, ob txoj kev them nyiaj loj tshaj plaws hauv ntiaj teb, muaj puag rawv blockchain thev naus laus zis, siv nws mus rau ntau yam ntawm lawv cov khoom thiab cov kev pabcuam. Lawv kuj tau cog lus tias yuav ua kom muaj kev tsim kho tshiab nyob ib puag ncig cov thev naus laus zis thiab. Mastercard, piv txwv li, muaj tsawg kawg yog 89 blockchain patents. Nyob rau hauv ntau txoj kev, blockchain thev naus laus zis ua rau muaj kev sib tw rau cov loj, cov neeg them nyiaj ib txwm muaj. Tab sis qhov ntawd yog qhov laj thawj tseem ceeb vim li cas kev siv thev naus laus zis yog lub tswv yim zoo rau lub sijhawm ntev rau Visa thiab Mastercard. [Cov Motley ruam]

Wells Fargo, Eyeing Loj hlob hauv Credit Cards, Lands Hotel Chain ua tus khub

Wells Fargo tau koom nrog kev koom tes nrog tsev so daim npav koom nrog uas yav dhau los tuav los ntawm Barclays, ua rau muaj kev yeej hauv megabank txoj kev siv zog los kho nws cov credit card lag luam. Lub txhab nyiaj tshiab kev koom tes nrog ntau xyoo yog nrog Choice Hotels International, uas ua haujlwm xws li Radisson Hotels, Comfort, Quality, Clarion, Econo Lodge thiab Cambria. Choice Hotels muaj ze li ntawm 7,500 thaj chaw thoob plaws ntiaj teb. Cov ntawv tshaj tawm tuaj raws li Wells retools nws daim credit card portfolio. Nyob rau hauv xyoo tas los no, lub tsev txhab nyiaj tau tshaj tawm ib chav tshiab ntawm Wells Fargo-branded phaib tsom rau kev loj hlob ntawm nws cov neeg siv khoom tom qab xyoo ntawm kev ua haujlwm tsis zoo. [American Banker]

Apple los soj ntsuam cov neeg siv khoom keeb kwm tshiab rau 'Yuav Tam Sim No, Them Tom Qab' Kev Pabcuam

Nrog Apple thawb mus rau hauv kev lag luam qiv nyiaj nrog "yuav tam sim no, them nyiaj tom qab", lub tuam txhab tau teeb tsa cov cai rau nws yuav pom zoo li cas rau kev lag luam. Ib qho tseem ceeb: seb koj puas tau ua tus neeg siv khoom zoo yav dhau los. Cov kev pabcuam Apple Them Tom Qab, tshaj tawm xyoo tas los tab sis tseem nyob rau theem kev sim, yuav ntsuas cov neeg qiv nyiaj raws li lawv cov keeb kwm kev siv nyiaj thiab txawm tias lub tuam txhab cov cuab yeej twg lawv muaj. Qhov kev zov me nyuam, uas tso cai rau cov neeg yuav khoom ua lag luam thiab tom qab ntawd them nyiaj ntau dua, tseem yuav saib seb cov neeg siv khoom puas tau thov rau Apple Card credit card thiab lwm daim npav uas lawv tau txuas rau lawv cov Apple Pay account. [Bloomberg]

Number of Credit Cards Issued Via Digital Card Platforms Projected to Surge

Ib txoj kev tshawb fawb tshiab los ntawm Juniper Research tau kwv yees tus lej ntawm cov npav rho nyiaj tau tshaj tawm los ntawm cov ntawv tshaj tawm digital daim npav yuav dhau 321 lab thoob ntiaj teb los ntawm 2027, nce los ntawm 120 lab hauv 2023. Cov ntawv tshaj tawm digital tso cai rau cov neeg siv daim npav los tsim daim npav siv API-tsav mus kom ze. ; ua kom cov ntawv xa tuaj sai sai rau cov hnab nyiaj digital, nrog rau kev xaiv rau daim npav lub cev; boosting yooj. [CU Hnub no]

Cov khw muag khoom tawm tsam cov tsev txhab nyiaj nrhiav sij hawm ntxiv ntawm Debit Routing Txoj Cai

Ib pawg ntawm cov tsev txhab nyiaj tau hais kom Tsoom Fwv Tebchaws Reserve Board muab sijhawm rau lawv rau lwm xyoo thiab ib nrab los siv txoj cai debit routing txoj cai, tab sis ib pawg neeg ua lag luam thiab khw muag khoom sib cav tias lawv muaj sijhawm ntau los ua raws. Cov pab pawg hauv txhab nyiaj, suav nrog American Bankers Association, Consumer Bankers Association thiab Credit Union National Association, tau nthwv dej ntawm cov laj thawj hauv lawv tsab ntawv tias vim li cas lawv yuav tsum tsis txhob ua kom tau raws li lub Xya Hli 1 hnub kawg kom ua tiav txoj cai. Txoj cai yuav yuam cov neeg muab daim npav, feem ntau yog cov tsev txhab nyiaj, kom muab cov tub lag luam ntau tshaj li ib qho kev xaiv debit. Nws yog ib txoj cai uas tau siv los ua ib feem ntawm 2010 Dodd-Frank Wall Street Reform thiab Consumer Protection Act, tab sis muaj ntau tshaj li kaum xyoo ntawm kev sib cav txog seb qhov yuav tsum tau siv rau kev lag luam hauv online li cas. [Kev them nyiaj dhia dej]

Goldman Sachs Scraps Lub Tswv Yim rau Direct-rau-Consumer Credit Card tom qab Kev Ua Haujlwm Zoo

Goldman Sachs tau poob cov phiaj xwm los tsim daim npav Goldman-branded credit card rau cov neeg muag khoom muag, lwm qhov raug mob ntawm lub tuam txhab lub tswv yim pivot. Tsis ntev dhau los, CEO David Solomon hais rau cov kws tshuaj ntsuam tias lub txhab nyiaj tau tsim nws tus kheej daim npav, uas yuav tau siv lub platform Goldman tsim rau nws Apple Card kev koom tes. Daim npav Goldman yuav yog ib feem ntawm cov khoom lag luam, suav nrog kev txheeb xyuas tus lej digital, los pab txhim kho cov txiaj ntsig tau txiaj ntsig thiab kev ntseeg siab ntawm nws cov kev muag khoom, raws li cov neeg paub txog qhov teeb meem. Lub zeem muag ntawd tau tshwm sim tom qab Xalaumoo tau hneev taw los txhawm rau txhawm rau poob los ntawm nws cov neeg siv khoom lag luam raws li huab cua huab cua sib sau ua ke ntawm Asmeskas kev lag luam xyoo tas los. [CNBC]

Cov neeg Venezuelans hais tias daim npav rho nyiaj uas yog ib zaug Lifeline Tam sim no 'Useless'

Cov npav rho nyiaj tau dhau los ua tsis muaj txiaj ntsig hauv Venezuela vim tias muaj kev nce nqi siab thiab tsoomfwv txwv, ua rau tib neeg tau tawm tsam kom tau raws li cov kev xav tau niaj hnub ntawm cov nyiaj hli qis, cov chaw lag luam hauv tuam txhab, cov kws tshuaj ntsuam thiab cov neeg siv khoom tau hais. Raws li cov nyiaj tau los tau poob thiab cov nqi nyob tau loj hlob, daim npav rho nyiaj tau dhau los ua qhov tseem ceeb rau ntau tus neeg los ua txhua hnub kev yuav khoom hauv khw muag khoom thiab khw muag tshuaj, txawm tias cov credit txwv tsis tu ncua thiab qee lub tsev txhab nyiaj tshem tawm daim npav tag nrho. [Reuters]

Ntau txhiab tus niam txiv UK Sib pauv Piggy Banks rau yas

Cov chaw muab daim npav rho nyiaj hauv tebchaws Askiv tau tshaj tawm cov qauv hauv cov hnub nyoog qis dua 16 xyoo siv daim npav rho nyiaj them ua ntej tau lim rau cov menyuam yaus hnub nyoog qis dua rau xyoo. Tau muaj kev nce qib hauv cov hnub nyoog qis dua 16 xyoo siv daim npav rho nyiaj them ua ntej los siv lawv lub hnab nyiaj. Lub txhab nyiaj online Revolut tau pom cov naj npawb ntawm cov hnub nyoog qis dua 18 xyoo siv ib qho ntawm nws daim npav nce los ntawm 250,000 txog 1.15 lab hauv ob xyoos xwb, suav nrog ntau dua 10,000 tus menyuam hnub nyoog rau xyoo. [Txhua hnub Xa ntawv]

Cov neeg siv khoom feem ntau tsis tuaj yeem nyob tsis muaj lawv lub txhab nyiaj txawb App, Kev Tshawb Fawb Qhia

Kwv yees li 87% ntawm cov neeg siv khoom siv lawv cov kev lag luam digital app tsawg kawg ib hlis ib zaug, uas yog 2% ntau dua xyoo tas los. Kev thov rau ib lub txhab nyiaj app uas pab cov neeg siv khoom siv tag nrho lawv cov kev xav tau hauv tuam txhab nyiaj tsis mus qhov twg; unified banking kev paub nyob ntawm no. Qhov yooj yim ntawm kev them nyiaj digitally yog tig cov neeg tsis ntseeg mus rau cov ntseeg. 82% ntawm tag nrho cov neeg tau txais kev pab them nyiaj digitally ib hlis ib zaug lossis ntau dua, thiab 47% ua li ntawd tsawg kawg ib zaug hauv ib lub lis piam, sawv cev rau 5% YoY kev loj hlob los ntawm 2021. Feem ntau ntawm cov neeg siv khoom (56%) qhia txog kev saib xyuas lawv cov credit, nrog rau kev siv zog ua kom tau qhab nia zoo. [Daim ntawv kua muag]