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Relevant bibliographies by topics / Credit card fees

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Academic literature on the topic 'Credit card fees'

Author: Grafiati

Published: 4 June 2021

Last updated: 30 July 2024

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Journal articles on the topic "Credit card fees"

1

Rochet, Jean-Charles, and Julian Wright. "Credit card interchange fees." Journal of Banking & Finance 34, no. 8 (2010): 1788–97. http://dx.doi.org/10.1016/j.jbankfin.2010.02.026.

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Cliff, Robb, and Patryk Babiarz. "Financial Sophistication and Credit Card Behaviors Revision." International Review of Financial Consumers 1, No. 1 Oct 2016 (2016): 21–40. http://dx.doi.org/10.36544/irfc.2016.1.3.

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The present study explored consumers’ use of credit cards with an emphasis of the role that financial knowledge plays in behavior. Both objective and subjective measures of subjective financial knowledge were included in predictive models of seven unique credit card behaviors. Behaviors explored included comparing cards during the acquisition phase, paying off cards in full, revolving a balance, making minimum payments, paying late payment fees, paying over the limit fees, and taking cash advances. Results indicated that financial knowledge was a useful predictor of behavior, though different

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3

Marlina, Reni. "Study of the Differentiation of Conventional Credit Card and Sharia Card Products in Sharia Banks." ITQAN: Journal of Islamic Economics, Management, and Finance 3, no. 1 (2024): 59–69. http://dx.doi.org/10.57053/itqan.v3i1.31.

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The development of sharia banking in Indonesia has experienced quite significant growth. It is based on the innovation of the credit card product issued by Sharia banking, namely the Syariah Card. This research aims to explain the differences between conventional credit card products and sharia cards regarding mechanism and product use. This research uses a qualitative method with a descriptive approach. The research results found that the differences between conventional credit card products and Sharia cards are in the transaction agreement scheme used, interest and the use of fees (juror) on

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4

Payne, Patrick, Charlene M. Kalenkoski, and Christopher Browning. "Risk Tolerance and the Financial Satisfaction of Credit Card Users." Journal of Financial Counseling and Planning 30, no. 1 (2019): 110–20. http://dx.doi.org/10.1891/1052-3073.30.1.110.

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This study tests whether risk tolerance mitigates the effects of credit card mismanagement on users' financial satisfaction. We used data from the Health and Retirement Study and found results showing that credit card mismanagement reduces the financial satisfaction of lower-risk-tolerance users only. The results also suggest that the psychic costs of credit card mismanagement (i.e., stress and anxiety), not the monetary costs (fees and higher interest rates), may be the biggest contributors to the dissatisfaction associated with credit card use.

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5

Tan, Hongru. "The regulation of merchant fees in credit card markets." Journal of Regulatory Economics 57, no. 3 (2020): 258–76. http://dx.doi.org/10.1007/s11149-020-09406-z.

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6

Rakhmad, Andro Agil Nur, and Kurniawati Meylianingrum. "CUSTOMER PREFERENCES FOR IB HASANAH CARD PRODUCTS AS FINANCIAL CARD AT BNI SYARIAH BANK SURABAYA BRANCH." Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 7, no. 2 (2022): 283–96. http://dx.doi.org/10.36908/isbank.v7i2.377.

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Currently, the Islamic finance industry is proliferating and continues to make exciting innovations to attract customers. This innovation offers convenience and efficiency in financing Islamic banking in Indonesia. one of the product innovations offered is a sharia credit card. Unlike conventional banks' credit cards, which based on interest, this Islamic credit card still based on a contract. This study aims to look at the preferences of sharia bank customers, especially at the Surabaya branch of BNI Syariah bank, in using the iB hasanah card product. The method used in this study is a quanti

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7

신훈 and 이혜영. "A Study on Policy Change of Credit Card Merchant Fees." Korean Governance Review 21, no. 2 (2014): 244–66. http://dx.doi.org/10.17089/kgr.2014.21.2.011.

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Agarwal, Sumit, Souphala Chomsisengphet, Neale Mahoney, and Johannes Stroebel. "Regulating Consumer Financial Products: Evidence from Credit Cards *." Quarterly Journal of Economics 130, no. 1 (2014): 111–64. http://dx.doi.org/10.1093/qje/qju037.

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Abstract We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act. We use a panel data set covering 160 million credit card accounts and a difference-in-differences research design that compares changes in outcomes over time for consumer credit cards, which were subject to the regulations, to changes for small business credit cards, which the law did not cover. We estimate that regulatory limits on credit card fees reduced overall borrowing costs by an annualized 1.6% of average daily balances, wit

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9

Sivaraman, Vibhaalakshmi, Weizhao Tang, Shaileshh Bojja Venkatakrishnan, Giulia Fanti, and Mohammad Alizadeh. "The Effect of Network Topology on Credit Network Throughput." ACM SIGMETRICS Performance Evaluation Review 49, no. 3 (2022): 59–60. http://dx.doi.org/10.1145/3529113.3529133.

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The global economy relies on digital transactions between entities who do not trust one another. Today, such transactions are handled by intermediaries who extract fees (e.g., credit card providers). A natural question is how to build financial systems that limit the need for such middlemen.

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10

Freigang, Jan, and Anselm Grün. "The Assessment of Domestic Credit Card Interchange Fees under EC Competition Law." European Business Law Review 16, Issue 1 (2005): 151–67. http://dx.doi.org/10.54648/eulr2005007.

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Dissertations / Theses on the topic "Credit card fees"

1

GUO, Hangfei. "Interchange fee rate, merchant discount rate, and retail prices in a credit card network : a game-theoretic analysis." Digital Commons @ Lingnan University, 2011. https://commons.ln.edu.hk/cds_etd/1.

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We consider two game-theoretic settings to determine the optimal values of an issuer's interchange fee rate, an acquirer's merchant discount rate, and a merchant's retail prices for multiple products in a credit card network. In the first setting, we investigate a two-stage game problem in which the issuer and the acquirer first negotiate the interchange fee rate, and the acquirer and the retailer then determine their merchant discount rate and retail prices, respectively. In the second setting, motivated by the recent U.S. bill "H.R. 2695," we develop a three-player cooperative game in which

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2

Kang, Pei-Hsuan, and 康培萱. "Different Types of Consumers' Perception on Credit Card Penalty Fee in Taiwan." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/08719702744972925627.

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碩士<br>國立交通大學<br>管理科學系所<br>100<br>This study aimed to explore the perception differences between different types of credit card holders in Taiwan, who are imposed penalty fee by credit card companies. And whether different loyalty and different relationship strength affect the perception of the consumer after being imposed penalty fee. In addition, finding out that if there is any significant difference between the perceptions on penalty fee of different types of consumers after priming methodology is also what we want to realize in the study. After sending out the situational questionnaires in

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3

Lee, Sungbok. "Essays on the Relationship of Competition and Firms' Price Responses." Thesis, 2010. http://hdl.handle.net/1969.1/ETD-TAMU-2010-12-8816.

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This dissertation investigates the relationship of competition and firms' price responses, by analyzing: i) whether new entry reduces price discrimination, ii) when incumbents reduce price discrimination preemptively in response to the threat of entry, and iii) how competition increases prices. The dissertation consists of three independent essays addressing each of the above questions. The first two essays present an empirical analysis of the airline industry and the third essay presents a theoretical analysis of the credit card industry. In the empirical study of the relationship between com

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4

Moosa, R. "Medical tax benefits to South African taxpayers : an overview." Diss., 2017. http://hdl.handle.net/10500/23734.

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This study presents an overview of the medical expenditure allowed to taxpayers in the South African Income Tax Act, 58 of 1962 (hereafter the “Income Tax Act”). The study traces the changes made to the allowed expenditure over time. Changes made to the Income Tax Act, illustrating the effect of qualifying medical expenses on the income of persons with disabilities in terms of the Income Tax Act, are described. Certain provisions of the Income Tax Act, as well as other legislation dealing with persons with disabilities, were analysed. Furthermore, the research shows the effect of moderate to s

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Books on the topic "Credit card fees"

1

Corporation, SMR Research, ed. The Credit card price war and its financial impact on lenders: A special, one-time SMR report. SMR Research, 1991.

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2

Schmalensee, Richard. Payment systems and interchange fees. National Bureau of Economic Research, 2001.

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3

United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Modernizing consumer protection in the financial regulatory system: Strengthening credit card protections : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eleventh Congress, first session, on reforming the practices of credit card companies and providing new protections for consumers, February 12, 2009. U.S. G.P.O., 2009.

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4

United States. Government Accountability Office. Credit cards: Increased complexity in rates and fees heightens need for more effective disclosures to comsumers : report to the Ranking Minority Member, Permanent Subcommittee on Investigations, Committee on Homeland Security and Governmental Affairs, U.S. Senate. GAO, 2006.

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5

Massachusetts. Office of the Attorney General. The Attorney General's guide to credit. Attorney General, Commonwealth of Massachusetts, 1999.

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6

United States. Federal Trade Commission. Division of Consumer and Business Education. Using a credit card: Your rights and responsibilities. Federal Trade Commission, Bureau of Consumer Protection, Division of Consumer & Business Education, 2009.

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7

Laibson, David I. A debt puzzle. National Bureau of Economic Research, 2000.

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8

United States. Congress. Senate. Committee on the Judiciary. Credit card interchange fees: Antitrust concerns? : hearing before the Committee on the Judiciary, United States Senate, One Hundred Ninth Congress, second session, July 19, 2006. U.S. G.P.O., 2006.

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9

United States. Congress. Senate. Committee on Governmental Affairs, ed. Credit Card Practices: Fees, Interest Charges, and Grace Periods, S. Hrg. 110-76, March 7, 2007, 110-1 Hearing, *. s.n., 2008.

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10

J, Muris Timothy, ed. The law and economics of interchange fees: Hearing before the Subcommittee on Commerce, Trade, and Consumer Protection of the Committee on Energy and Commerce, House of Representatives, One Hundred Ninth Congress, second session, February 15, 2006. U.S. G.P.O., 2006.

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Book chapters on the topic "Credit card fees"

1

Williams, James G. "On-Line Credit and Debit Card Processing and Fraud Prevention for E-Business." In Advances in Marketing, Customer Relationship Management, and E-Services. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7766-9.ch013.

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As the number of purchases over the internet has increased and the method of payment is a credit or debit card, e-commerce merchants must be able to accept online payment using the card data. Cyber-criminals have found ways to capture the information on credit and debit cards and use this information to make purchases and remove money from bank accounts which costs merchants lost revenue and chargebacks fees and costs consumers and banks lost funds. The process by which credit and debit card payments are processed beginning with the e-commerce merchant's website to a card processor or service gateway to the credit or debit card company's network to the issuing bank's network with an accept or decline response being returned to the merchant's shopping cart system via the same networks is discussed. The issue of credit and debit card fraud in terms of how cyber-criminals function and the solutions used to deter these attempts by the cyber-criminals is covered. The security standards and a list of preventive measures that should be used by e-commerce merchants are discussed.

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2

Williams, James G. "On-Line Credit and Debit Card Processing and Fraud Prevention for E-Business." In Encyclopedia of Information Science and Technology, Fourth Edition. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-2255-3.ch236.

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As the number of purchases over the Internet has increased and the method of payment is a credit or debit card, e-commerce merchants must be able to accept on-line payment using the card data. Cyber-criminals have found ways to capture the information on credit and debit cards and use this information to make purchases and remove money from bank accounts which costs merchants lost revenue and chargebacks fees and cost consumers and banks lost funds.. The process by which credit and debit card payments are processed beginning with the e-commerce merchant's web site to a card processor or service gateway to the credit or debit card company's network to the issuing bank's network with an accept or decline response being returned to the merchant's shopping cart system via the same networks is discussed. The issue of credit and debit card fraud in terms of how cyber-criminals function and the solutions used to deter these attempts by the cyber-criminals is covered. The security standards and a list of preventive measures that should be used by e-commerce merchants are discussed.

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3

"Credit and Debit Card Interchange Fees in the U.S." In Credit and Debit Card Interchange Fees in the U.S. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/usicf.

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4

"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2012update.

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"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2013update.

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6

"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2014update.

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7

"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2015update.

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8

"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2016update.

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9

"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2017update.

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"Credit and Debit Card Interchange Fees in Various Countries." In Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2018. http://dx.doi.org/10.18651/icf/variouscountries2018update.

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Reports on the topic "Credit card fees"

1

Hayashi, Fumiko, Aditi Routh, Sam Baird, and Jalen Nichols. Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2023. http://dx.doi.org/10.18651/icf/variouscountries2023update.

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Hayashi, Fumiko, and Sam Baird. Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2022. http://dx.doi.org/10.18651/icf/variouscountries2022update.

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Hayashi, Fumiko, and Vanessa Nimmo. Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2021. http://dx.doi.org/10.18651/icf/variouscountries2021update.

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Shy, Oz, and Joanna Stavins. Who Is Paying All These Fees? An Empirical Analysis of Bank Account and Credit Card Fees. Federal Reserve Bank of Boston, 2022. http://dx.doi.org/10.29412/res.wp.2022.18.

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5

Credit and Debit Card Interchange Fees Assessed to Merchants in the United States. Federal Reserve Bank of Kansas City, 2017. http://dx.doi.org/10.18651/psr01.

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