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MasterCard keeps launching new programs and campaigns in order to please their customers. This time they decided to refresh their memory and go back to their young days. MasterCard is ready to rock together with their clients! The world-wide known credit card brand has teamed up with not less recognized rock and country celebrities for the Roots of Rock promo.
If you are a lucky owner of a credit card by MasterCard, you have a chance to get a priceless unforgettable experience of meeting one of the three legendary country and rock stars - Kenny Chesney, Erick Clapton or Jon Bon Jovi. You just need to use your MasterCard starting with July 1 till August 31, 2008 and to be born under the lucky star to become one of the 5 winners of the MasterCard sweepstakes.
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Paying with credit cards has become so common nowadays, that you will hardly find a retailer or some services provider that do not accept plastics. You can stop at Starbucks on your way to work, buy a latte for $2.60 and pay with a credit card for it. That is quite normal. When you take a girl on a date to a restaurant and each one of you pays with your own cards, that is fine.
But when you go out to eat somewhere in a company of 5, 7 or more friends, this can cause troubles. To be more exact, not for you, but for restaurant staff and owners. What is the problem?
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Rewards, discounts, gift cards and other perks - that is the most pleasant part about having a rewards credit card. But a chance to earn even more benefits, more than your credit card's terms and conditions enable you to get, is always pleasant. Citibank this way decided to please their clients. Citibank, one of the major US credit card issuers, has launched a new program called Extra Cash. It enables Citi customers get 10% off on merchandise, travel and gift cards automatically just for using the card from Citibank.
But this option is available to the owners of the following plastics: Diamond Preferred, AT&T Universal Platinum and Platinum Select credit cards. It has never been easier to get extra bonuses.
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"One World One Dream" was announced to be the slogan of the forthcoming Olympic Games 2008 in Beijing. About two months left for the big opening ceremony to begin. It will be held on 08.08.08., the beginning scheduled for 08:08:08 p.m. Americans will glue their eyes to the TV screens waiting for new victories and medals from our athletes.
You wonder what the credit card industry has to do with this great sports event? The thing is a few days ago Visa Credit Card Company launched an advertising campaign named "Go World" for the US TV broadcasting. What is special about this project?
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What is the major source of revenue of credit card companies? - Credit card interest rates and fees. And though you can get a card with no annual fee, and other credit card fees might seem not that hefty to you, these days' fees make up about 40% of credit card issuers' total revenue.
A comparative research carried out by Wall Street Journal shows that the revenue credit card companies get form cardholders' fees has increased by 41% over the past 4 years. Today companies make $18.1 billion in fees, as compared to $17.2 billion they earned last year. But the fees still keep rising, promising a larger growth of income to credit card companies and banks.
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Credit cards have become an integral part of our everyday life. We got used to those little plastic things that swarm in our wallets so much, that we just cannot imagine paying for goods and services without credit cards. Life has split into before and during the era of plastic money. The reason for all that is unquestionable convenience of using credit cards.
You use credit cards to pay for groceries, clothes, cars, houses, entertainments, studies, travelling, gas... You can even pay taxes with plastics. Each day credit card industry offers you more and more new options. Now you can even pay your rent with credit cards.
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People make history. Political and economical situation, environment, customs and traditions of the epoque people live in form people's minds and attitudes. No wonder that people of different generations have different views and attitudes towards many things. And generation gap will always remain one of the most acute problems at all times.
People that grew up in different time periods have even different credit card management habits. The generations of the past century are the Greatest and Silent Generation (born in 1911 - 1945), Baby Boomers (born between 1946 and 1964), Generation X (born in 1965 - 1979), and Millennials (born in 1980 - 2000). Let's analyze credit card habits of the Generation X and Baby Boomers.
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The statistics of 2007 shows that the average credit card debt in a typical US family equals to over $ 7,000. Not that shocking, you say? But what would you say if you learnt that wise credit card usage can actually save you up to $ 1,500 a year?
Now count how many years you have to go until your retirement. Say, 30. That will be $ 45,000. Impressive, huh? And if you invest this money, the sum can be even more impressive. Here is a manual for you to become a savvy card holder and save money for your retirement time.
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Affiliate, or co-branded, credit cards are quite popular with card owners. The collaboration between credit card issuers and other companies turns out to be profit-gaining for both sides and for credit consumers as well. Such offers come with favorable rewards programs for regular customers of some retailers' net.
American Express together with Delta Airlines, overwhelmed by another joint creative impulse, have launched new miles rewards program for credit cards Delta SkyMiles Gold and Platinum from AmEx. This new "Pay with Miles "offer gives more flexibility to AmEx credit card holders when it comes to redeeming their air miles. Now AmEx-Delta cards owners have new opportunities and options when using their plastics.
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Citibank was one of the credit card issuers to fall a victim to a mortgage crisis, which consequences affected the bank's financial standing. Citibank have incurred great losses. Now they are trying to straighten out their financial situation and consolidate their standing on the US credit card market. Now that US economy is shaky, in order to win back their leading positions Citibank's officials have chosen the strategy of establishing new branches world-wide.
Australia has become an object of Citibank's new conquests. Citigroup and Suncorp Metway Ltd., an Australian finance, banking and insurance company, made a win-win deal. Citigroup is augmenting its credit card portfolio with 100,000 plastics.
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