Credit cards promise clear, simple language
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Several bank credit card companies, responding to growing pressure from U.S. lawmakers, said on Wednesday they are working to do a better job of explaining fees and charges to consumers.
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Bank of America Corp.  on Monday introduced a credit card designed for many of its wealthiest clients, in a bid to retain and win new business as banks ratchet up their pursuit of affluent customers.
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Credit card companies would have to disclose interest rates and fees in clearer, easier-to-understand language under proposed new consumer-protection rules that could take effect by year-end.
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Home credit lenders are told   they must provide clearer information to consumers about loan costs.
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Don't settle for an HDTV: Pay off a credit card.
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(InfoWorld) - Citibank Singapore is offering a new way for credit-card holders to make payments -- using their fingerprints instead of credit cards. Citibank this month began rolling out biometric payment systems in Singapore that allow Citibank Clear Platinum credit card holders to pay using their fingerprints. "It's an investment for our future," said Anand Cavale, vice president and business director of credit payment products at Citibank Singapore, noting this is the first time the bank has used a biometric payment system anywhere in the world. Before putting the biometric system into operation, Citibank officials took a long hard look at whether the system was secure -- and came away satisfied that it was, Cavale said. "We see this as the next step, which will enhance our already good fraud prevention systems," he said. With an affluent, tech-savvy population of 4.5 million, Singapore is among the most competitive for credit-card issuers, with many Singaporeans carrying three or four cards in their wallets. To encourage card holders to spend, banks regularly team up with partners to offer special discounts -- say, 10 percent off dinner at a trendy restaurant -- if customers use a certain credit card. So much competition leaves banks looking for any edge they can find. For its part, Citibank hopes the biometric technology makes payment more convenient for its card holders, eliminating the need for them to always carry credit cards while still allowing them to buy things. But don't expect to see biometrics replace Citibank cards any time soon. "The technology will be used in conjunction with a credit card," Cavale said. Cavale believes biometric payments systems will shine in applications where a quick payment method is needed. "If you're running to catch a train, and buying a cup of coffee and a newspaper, your time has more value," he said. So far, Citibank's biometric payment systems are only in place at a handful of outlets in Singapore, including local coffee shops and the popular Zouk night club. But the bank has plans to quickly expand the number of such systems and the number of Citibank card holders able to use them. "Our intention is to roll it out very quickly to other cards," Cavale said. Citibank chose to start the rollout of the biometric payment system with the Clear Platinum card because it is targeted at younger Singaporeans, ranging in age from 25 to 34. "We launched with this segment because the uptake is going to be very strong," he said. Getting signed up to use the biometric payment system, provided by Pay By Touch, of San Francisco, is relatively easy. Citibank has installed kiosks at several Singapore branches where card holders can register their fingerprints. To sign up, Citibank customers need to provide valid photo identification and a seven-digit numeric passcode used with the fingerprint to authenticate payment. This is the first time that Citibank has tested a biometric payment system, and the bank's operations in other countries, especially in Asia, are watching what happens in Singapore with interest, Cavale said. "Our plans include taking this technology around the region," he said.
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Federal legislation bans credit-card payments, but sites have alternatives.
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A few simple steps can supercharge your portfolio.
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IN THE EARLY DAYS of credit cards, lenders didn't market to deadbeats with a history of paying their bills late or missing payments. But as late fees and interest charges became a prime source of revenue, credit card issuers no longer put a priority on being paid back - at least not quickly.
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Take advantage of cards instead of it being the other way around.
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No fees. No frills. Arkadi Kuhlmann has shown the world how to do online banking right. Now the trick is to stay ahead of the imitators
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South Korea has become one of the worldâs most credit-card-friendly countries. With cards everywhere, however, the challenge is to attract consumers.
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Like introductory credit card rates and superior customer service, some promises just aren&#39;t built to last. And so it is that Bank of America - mere months after its pledge to preserve
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Can't wait until the free credit report train stops in your region? You don't have to.
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Bank of America Corp.  on  Monday introduced a credit card designed for many of its  wealthiest clients, in a bid to retain and win new business as  banks ratchet up their pursuit of affluent customers.
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You don't have to be flummoxed by your financial statements.
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G.E. will introduce a credit card that allows cardholders to forgo a 1 percent cash rebate on purchases and earmark that amount for projects that reduce greenhouse gases.