1994 COMMENTARY
Debt/Spending Rise in Face of Higher Rates
 - Despite another rise in interest rates consumer debt and spending continue with solid growth. A look at the latest numbers. (Nov 94)
Have Yourself a Very Merry Smart Christmas
 - Tips for the holiday season.. Discussion of credit card fraud. (Oct 94)
Now You See it, Now You Don't
 - Discussion of grace periods and common myths. Review of the new American Express True Grace Optima Card.(Sept 94)

Issuers Sweat Summer Rate Hikes
 - Aggressive Fed action forces higher rates for popular rebate programs. High margin variable rates may incite a cardholder backlash. (Jul 94)

1994 Secured Card Survey
 - Secured cards have grown 1000% over the past ten years. Has this market really been tapped ? (Jul 94)

Rates Head North - Shop Spread!
 - Additional Fed action is impacting credit card rates.(Jun 94)

Rebate Card Mania
 - New card programs are released before rates increase. A brief review of the hook and caveats of each program. (Jun 94)

Keep Yur Eye on 'em Rascals
 - Review of U.S. General Accounting study on the credit card industry along with latest rate distribution statistics.(May 94)

April = A.P.R. Is Lower
 - Average bank credit card interest rates unaffected by Fed action despite major shift to variable rate cards. GAO Report is released on credit card competitiveness.(Apr 94)

Two Card Strategy
 - Want to get the most from your credit cards? Here is how. (Apr 94)

More in Ninety-Four
 - Look at developing trends for the year: rate war will heat up, endangered annual fees, co-branded card explosion, incredible rebate offers, and secured cards surge. Many emerging products: debit, prepaid and smart cards. (Jan94)

Past Commentaries
 • 2004
 • 2003
 • 2002
 • 2001
 • 2000
 • 1999
 • 1998
 • 1997
 • 1996
 • 1995
 • 1994
 • 1993
 • 1992
 • 1991

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