1995 COMMENTARY
Consumers Downshift
 - How will the card industry address the issue of rising bad debt and declining profits ? Are there any easy answers ? (Dec 95)
New Year's Resolution
 - Timely, practical advice on how to lower your credit card costs in the coming year. (Dec 95)
Major 1995 Card Products
 - It was an aggressive year for credit card marketing.(Dec 95)

Stupid Card Tricks
 - Take a look at the worst credit card offer for 1995 (Nov 95)

Juggling Cards
 - Playing the float on your credit card is a smart way to manage your purchases but you may need help. (Nov 95)

Rate Competition Goes West
 - A major savings bank brings some real rate competition to the West Coast and Florida. (Nov 95)

Holiday Rush ?
 - Predictions on the Christmas shopping season are mixed.. Here's some stats and tips.(Nov 95)

Blasting Into Cyberspace
 - Credit card issuers wake up to the World Wide Web. RAM Research announces a major commitment to the Internet. (Sept 95)

Two Major Offers Launched
 - Bank of Boston and Discover roll out new credit card products aimed a capturing this year's Christmas spirit.(July 97)

Plastic Love Affair
 - Americans are piling on card debt at a record level.. But are they overpaying? (Aug 95)

Comparing Secured Cards is Tricky
 - More card issuers are reporting secured credit card accounts as secured. Is this significant to cardholders ? (Aug 95)

Optima & Discover Step Up
 - American Express is on a roll with its True Grace Optima and a new cobranded airline Optima. Discover beefs up Private Issue. (Aug 95)

Cuttin' Through the Clutter
 - Making sense from all these new fangled credit offers is a bit challenging. Here's how to get your apples-to-apples comparison. (Jul 95)

The Industry's Pulse
 - Why is the credit card market aggressively competitive? How does it affect players and consumers ? (May 95)

BlockBuster Offer????
 - VISA and NationsBank snagged a big partner in Blockbuster and its 43 million customers. Is their new card a bargain ? (Mar 95)

Past Commentaries
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