Information Center – News and Articles about Credit Cards
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Credit Card Companies: America's Sweethearts
It is not just Hollywood celebrities, popular rock stars, models and other publicity persons that America admires. Businesses are not left out either. Every year Fortune magazine publishes a top-list of the US companies that performed better than others. "America's Most Admired Companies" are chosen by independent experts and surveyors of Hay Group.
In order to choose the top ten companies from different industries, experts carefully study the companies' activity on 8 criteria. They are quality of products and services, quality of management, financial soundness, innovation, people management, long-term investment value, social responsibility and use of corporate assets. Wonder what companies hit the charts this year?
You will find several sections associated with different spheres of industry - from Beverages, Soaps and Cosmetics to Aerospace and Defense. Every company is given scores from zero to ten. And here are the top 5 companies in the section "Megabanks, Credit Card Companies".
1. American Express. Total: 7.85
American Express is a brand with a world-wide known name. Providing credit cards is one of the services the company offers. Among American Express plastics you will find cards for students, businesses, customers. AmEx offers no annual fee cards, low interest rate deals, 0% APR on balance transfers, and greatly beneficial rewards programs. But you can become an owner of American Express plastics only in case you have good or excellent credit score.
2. Bank of America. Total: 7.38
Bank of America is another big US credit card issuer. It caters for small businesses, large corporations and customers. Exclusive rewards credit cards are what Bank of America is known for. Sports rewards, environment rewards programs, and other plastics designed for specific consumer categories can meet customers' most demanding and specific requirements.
3. Wells Fargo. Total: 7.05
Wells Fargo is a company that offers financial services. It has $483 billion in assets. Banking, insurance, mortgage, investments and consumer finance are the main spheres the company works in. Among credit cards offered by Wells Fargo you will find secured and unsecured plastics for customers and students. Cash back, point rewards, no annual fee, low APR cards provided by Wells Fargo are available to credit consumers.
4. J.P. Morgan Chase. Total: 6.45
J.P. Morgan Chase & Co. is a leading organization in commercial banking, financial services for consumers, asset management, private equity and financial transaction processing. If you need a plastic with favorable terms and nice perks, Chase Bank with eleven categories of credit cards are just the right place for you to start searching. Chase is also known as a leader in rewards credit card industry.
5. Wachovia. Total: 6.01
Credit cards from Wachovia come with 0% APR on balance transfers, automatically waived fees, attractive purchase rates, 24/7 customer service, fee-free overdraft protection and 0% liability for unauthorized credit card use. With Wachovia Possibilities Rewards program you can earn rewards points making purchases at participating retailers. Wachovia offers a rare option of combining rewards points earned with personal, business credit and check cards.
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Articles about credit cards
The subject of credit card use by young adults is much talked about online and offline, in magazine and internet articles. There are supporters and opponents of issuing plastics to young people among credit consumers and financial experts. However, many of those hair-raising tales about graduates that collect enormous debts are just boogieman stories. The statistics shows that young people became more reasonable in credit card management and most of them do not have loads of debts.
A recent opinion poll conducted among college students revealed that 92% of young adults realize that damage credit history and low credit score could have a negative effect on their future financial standing and cause problems with qualifying for loans.
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Financial crisis, mortgage and credit crisis, real estate crisis, what other crises do US citizens have to suffer from? It is just some epidemic of crises! Talking about epidemic, health insurance crisis is another hardship Americans are going through. Medical services take a bite out of your wallet. This year, according to recent surveys, Americans healthcare expenses exceed last year's medical spending by nearly $1,500.
The thing is that insurance companies have significantly raised healthcare insurance costs for customers. Many people just cannot afford paying for medical insurance. The government understands that many citizens' financial standing has shattered due to the economy recession. And the authorities do not stay indifferent to people's problems. They try to find an alternative solution.
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Have you ever noticed that all credit cards in circulation look the same except the color and picture on the front? The common features are size, shape, the magnetic stripe, the signature stripe, hologram and the number emblazoned across the front. Many people are so used to the standard credit card design that they don't pay attention to these physical characteristics. If you want to know why all plastics from different American issuers share the same structural features, read our article. We will tell you 10 interesting facts that cover their technology.
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