First, the share of individuals holding at least one bankcard was for many years quite stable, at about 80 percent, until the onset of the Great Recession; afterward, the incidence of cardholding
fell to about 72 percent in 2010 (table 2).
Neither are cardholding
families representative of American credit card users in general.
With that shopping frequency, we are in effect offering our cardholding
customers a free shopping trip every six to eight times she comes to the hypermarket," he adds.
Not only did millions of MBNA cardholders gain access to a versatile credit card product, but the threat of losing business to companies like MBNA put competitive pressure on the incumbent card issuers in the industry to lower their prices and broaden their product selection, benefiting all cardholding
records are updated annually, they do not reflect the library's actual user membership.
That is, how could an industry establish a large, smoothly functioning payment system when consumers would only hold a card that was widely accepted and merchants would bear the costs of entering the given payment network only if they felt that cardholding
would expand sufficiently?
Unbanked customers form the primary cardholding
base for prepaid cards, and are the largest growth segment for the industry.
Transaction data was pulled from the debit and credit transactions of cardholding
members of credit unions across the country using CO-OP Total Revelation, a data analytics tool from CO-OP.
Other important factors in the United States are merchant demand for card transactions and consumer cardholding
Determining which group of cardholders in 2001 would not have been cardholders in 1989 will help us estimate the effect that the expansion in cardholding
had on household financial obligations.
remains a very important feature of the UK market, and creates a situation where card issuing banks can look to win back customers.
For example, a credit union contemplating offering professional sports teams tickets in a sweepstakes to drive credit card use could mine its cardholder data to find out how many cardholding
members use their cards to routinely purchase sporting event tickets, sports equipment or gym memberships.
In a four-party card payment system, interchange fees link card-issuing and merchant banks, which take the fee into consideration when deciding the level and type of payment services they offer to each other as well as to their cardholding
and merchant customers.
At the same time, the median total credit limit on such cards jumped from $5,400 per cardholding
family in 1992 to $9,000 in 1995.
For example, in late summer a card issuer with an educational field of membership might offer its cardholding
members a lower interest rate or greater rewards on items that qualify as back to school.