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Credit Cards: Customized Minimum Payment Disclosures Would Provide Information to Consumers, But Impact Could Vary
Charge card (CC) issuers must include in all cardh

 
Our Price: $20.00
By David G. Wood (au)
Year: 2006
Pages: 47
Binding Paperback

Product Code: 1422307298

Description
 
Charge card (CC) issuers must include in all cardholder billing statements (BS) a “disclosure,” about the potential financial conseq. of consistently making only the min. pay. (MP) due on a CC. Some have urged that consumers should instead receive “customized” disclosures in their BS that use actual balances & the applicable int. rates on their accounts to show the conseq. of making only MP, such as est. of the time required to repay bal. & the total int. amount from continual MP. This report assesses the: feasibility & cost of requiring issuers to provide cardholders with customized MP info.; usefulness of providing customized info. to cardholders; & options for providing cardholders with customized info. about the conseq. of making MP. Tables.

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