I2CREDIT Nº 9
Almost One-Third of Consumers are Extending Payments
Results from a survey taken by the Cambridge Consumer Credit Index indicate that consumers are still burdened by debt. Consumers were asked, "Thinking about the credit card purchases you made last month, when you received the bills this month, did you pay off the balance in full or are you extending payments past this month?"
Responses were:
Pay off balance in full: 43 percent.
Extend payments: 31 percent.
Did not use credit cards: 26 percent.
Don't know/refused: 1 percent.
For those who extended payments:
Paid off more than half the balance: 17 percent.
Paid less than half the balance, but more than the minimum: 37 percent.
Paid the minimum payment due: 40 percent.
Made no payment: 6 percent.
Which of the following statements best describes why you are taking on debt?
Taking on debt because I'm confident in my ability to pay it when the bill arrives: 56 percent. Taking on debt because I do not have the money to pay for these expenses and I need to finance them over a period of time: 44 percent. Clearly many Americans are feeling tremendously burdened by their debts, with 46 percent of those with balances paying just the minimum or making no payment at all. Forty-four percent of Americans are taking on debt knowing they don't have the money to pay off their bills when they arrive, demonstrating that they feel they have no alternative but to take on more debt to cover the cost of basic necessities.
Ultimas Notas
I2CREDIT Nº 9
Penetración de la TelefonÃa Móvil
La telefonÃa móvil ha logrado una penetración interesante entre las PyME locales. Además de alcanzar una penetración del 83% (empresas que utilizan este servicio), una de cada tres lÃneas telefónicas en uso en este segmento es móvil (36% del total). Este dato surge del informe "TelefonÃa en PyMEs: local, larga distancia y móvil" recientemente finalizado por Carrier y Asoc..
Por: Carrier y Asoc. www.carrieryasoc.com
¿Vuelven las inhabilitaciones de cuentacorrentistas?
Fidelitas publica una interesante nota sobre las sanciones sobre cheques rechazados, en base a una publicación en el BoletÃn Oficial de fecha 21/3/03.
Por: Fidelitas S.A. www.fidelitas.com.ar
El presente de la cobranza ...
Es sabido que cobrar grandes volúmenes de pequeñas cuentas tiene particularidades especiales y su comportamiento es altamente elástico respecto a las variaciones macro-económicas y polÃticas. Existen muchos factores que condicionan el accionar y que manejándolos se pueden obtener buenos resultados, a saber:
- Perfil del usuario
- Elasticidad de la negociación ·
- Venta de la cobranza
Estos conceptos son muy conocidos pero es importante que los repasemos juntos para poder entender los tiempos que corren ....
Por: Cdor Daniel H Albea CARTASUR CARDS S.A.
El crédito bancario empezó a dar señales de recuperación
La situación financiera: aumentan las evaluaciones de clientes que piden préstamos.
Se permiten mayores descubiertos en cuenta corriente y se amplÃa la financiación con tarjeta; los hipotecarios, en cambio, no repuntan. También se reactivan los préstamos personales. Los hipotecarios, en cambio, no repuntan. Esto mostrarÃa que dejaron de postergarse decisiones comerciales y de inversión individual.
Por: Javier Blanco Redacción de LA NACIÓN
La realidad de las cobranzas en el cono sud
Un panorama de la región visto desde la perspectiva de exportadores de Cobranzas.
Por: Facundo Ferrari Torres MO&PC Collections LatÃn América
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- 2012
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- 2004
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