This research the Kaohsiung Area University student cardholder will make two kind of analyses, One for aims at characteristic of the all sample, proposed sends the card bank to the overall market possible promotion. Two for depends on the life state variable to make an area to separate, discusses the cardholder separates the colony when the different market area, sends promotion tool and strategy which the card bank may use. And separates in the colony in the different market area, selects market of the goal marketing, and to factor of the effective influence proposed to sends the card bank actual also the effective suggestion. This research conclusion may induce is two kinds: One for aims at the overall market. In the product strategy aspect, the bank entrepreneur may use the high service quality to take the competitive advantage. In the price strategy aspect, gives compares the preferential benefit the interest rate and the handling charge. In the circuit strategy aspect, promotes staff of bank's talented person quality. In the promotion strategy aspect, ¡§the television advertisements propaganda¡¨ and ¡§recommendation the relatives and friends¡¨ is the main news origin. Two for aims at marketing suggestion the different life state. Among them, ¡§the impulse expends the sensitive group¡¨ when applies for the credit card, its news originates mainly from the network obtains the correlation data, can take to send the card bank well-knownness. Manages the card the motive mainly does not have to carry too many cashes recommendation of and for the transaction convenience for the relatives and friends. Moreover, makes the goal market by ¡§the price complimentary gift sensitive group¡¨. The product strategy aspect, picks the line of different commodity marketing strategy, the increase card design the fine degree. In the price strategy aspect, must pick the line of low circulation interest rate in the cost scope with to make up manages the expense. The circuit strategy aspect, the penetration advertisement media or the oral circuit (for example penetrate recommendation relatives and friends), by effective transmission to goal customer. In the promotion strategy aspect, picks the good dividend in the cost scope to accumulate the spot, the complimentary gift provides.

In the consumer consciousness to surge upward, the product to weed through the old to bring forth the new unceasingly, under the market environment fast icissitude time, wants to maintain the customer loyalty to have all the more difficult tendency. Hence, how to maintain good relationship with customers to strength their willingness to frequent communicate with back has become very important. Therefore for various bank raises one's head in the competition intense environment, then with every effort develops each service, provides measures the financial service and the related product for the customer which the body subscribes does, hoped that can establish the long-time relations. Motivation of this research is to investigate correlations among customer relationship management, customer satisfaction, and customer loyalty from customers¡¦ point of view and through questionnaire to understand credit card holders¡¦ recognized feelings while interacting and communicating with the issued bank. The research targets are credit card holders live in Tai Chung city. The available sample size is 385, this research main analysis result is altogether as follows: First, the partial demographic variables are related to credit card holding situations. The results could be a reference for operator in planning for related marketing strategy Second, the partial demographic variables and credit card holding situations have significant differences to customer relationship management, customer satisfaction and customer loyalty. Third, There is positive relationship customer satisfaction and customer relationship. Customer satisfaction affects customer relationship, which means when customers recognize credit card issuing bank more then the relationship will show betters. Discovered according to this findings that the customer will relate the management truly to affect the customer loyalty, and the customer service, the interactive emotion, support processing and the technology will display these four construction surface are also the consumer take seriously.

Thesis (M.B.A.)--Naval Postgraduate School, December 2003. / Thesis advisor(s): Donald Summers, Juliette Webb. Includes bibliographical references (p. 67-69). Also available online.

published_or_final_version / Criminology / Master / Master of Social Sciences

How consumers pay influences how they feel about a transaction. In particular, paying by card has been argued to have an effect on the perception of cost; making it less salient and painful. We propose and show that payment method also influences how consumers feel about the acquired good. Specifically we focus on effects of the payment method on psychological ownership, i.e. the perception of an object as "mine". We propose that cash payment results in stronger psychological ownership because it influences the extent of perceived investment in an object. We provide evidence for the proposed effect from field and laboratory settings. Results of a longitudinal exit-survey and an experiment show that cash payers report higher levels of immediate psychological ownership than card payers. However, this effect seems to depend on the meanings associated with a payment method. Asian students (who associate credit card payment with investment and debt) do not exhibit this effect. Moreover the initial boost in psychological ownership seems to be comparably shortlived. Whilst those paying in cash experience no further increase in psychological ownership over time, those paying by card do. (author's abstract)

Charge / Credit card market is very competitive in Taiwan which grew from nothing in 1989 to 44 Million cards by the end of 2004. With the brutal competition in this industry, issuers tend to lower their profit margin to trade for the higher market share. What is their ultimate objective? How they prioritize their business strategy and finance strategy in different competition stage? Understand the credit card market and prospect segmentation definitely play a big role for issuers to scope their target prospects then design the right product to fit their selected cardmembers’ needs. Compare the world leading card issuer Citibank with the largest issuer in Taiwan Chinatrust Commercial Bank, what make the world’s largest issuer can not be the number one in Taiwan? What is the impact on different business strategy and financial strategy? How regulator should react to proper discipline the over-heated credit card market? From financial analytical method perspective, what should be the right measurement to be used in the credit card market? ROI, NPV or RORC? In this thesis, I also cover the discussion between “Niche Market but High Margin Approach” and the “Mass Market but Low Margin Approach” together with the importance of the organizational impact. To provide a insight on the different strategy to be used in the different business developed stage. With all the above, I put together the conclusion and suggestion of my own to the Charge / Credit Card business.

ID-theft survival kit -- Book From victim to victor -- ID theft FAQ -- Audiocassettes -- Identity theft resources -- Testimonials -- ID theft action letters -- About the author -- Media appearances -- Identity theft laws -- Theft Deterrence Act. / Title from opening screen, December 28, 1999.

Apesar de ser uma criação recente, o cartão de crédito desponta como um dos mais utilizados meios de pagamento, além de instrumento de viabilização de crédito na sociedade atual. É diferenciação relevante a ser notada entre o cartão de crédito, peça plástica, e o sistema de cartão de crédito. Enquanto o primeiro se refere apenas ao documento de legitimação, ou seja, instrumento físico capaz de demonstrar uma relação existente entre o titular do cartão e o emissor, um dos contratos que integram o sistema, o segundo é o produto dos contratos coligados que possibilitam a concretização da operação. Além do contrato já indicado, o contrato entre fornecedor e emissor e o contrato entre fornecedor e titular formam, em um modelo básico, os contratos envolvidos na operação, coligados funcionalmente, ou seja, apesar de manter sua estrutura formal segmentada, formam um conjunto que viabiliza a operação. Os contratos envolvidos, apesar da tipicidade social, com a reiteração de contratações semelhantes, abrangendo os mesmos direitos e obrigações que identificam o modelo, são legalmente atípicos, já que as prestações envolvidas não permitem identificação com os tipos legais atualmente positivados nem assemelhação que permita aplicação das regras próprias daqueles, restando, no direito brasileiro, a vigência de normas e princípios gerais aos contratos e obrigações envolvidos. Os contratos coligados demandam uma recompreensão dos princípios tradicionais dirigidos e aplicáveis aos contratos atomizados, com diversos efeitos para o estudo dos contratos de cartão de crédito e a busca de soluções, até mesmo para as tradicionais questões controvertidas. / Despite being a recent creation, credit cards rise as one of the most used means of payment, besides being instruments of credit viabilization in the current society. There is a relevant differentiation to be observed between credit cards, plastic pieces, and the credit card system. While the former only refers to the legitimation document, that is, to the physical instrument capable of evidencing a relationship existing between the card holder and the issuer, one of the contracts that integrate the system, the latter is the product of the linked contracts that allow the operation execution. Besides that already indicated contract, the contract between suppliers and issuers and the contract between suppliers and holders form, in a basic model, the contracted involved in the operation, functionally linked, that is, although keeping their formal structure segmented, they form a set that feasibilizes the operation. The involved contracts, despite the social typicity, with the reiteration of similar contractings, involving the same rights and obligations that identify the model, are legally atypical, as the considerations involved do not allow identification with the legal types currently ascertained, nor similarity allowing application of their own rules, there being, in the Brazilian laws, the validity of general norms and principles governing the contracts and obligations involved. The linked contracts require a re-understanding of the traditional principles directed towards and applicable to atomized contracts, with various effects for the study of credit card contracts and for the quest for solutions, even for traditionally controvert issues.

Empreende à análise das decisões judiciais a respeito do contrato de cartão de crédito como meio de prevenir ou tratar o superendividamento do consumidor, por ser o contrato que representa a maior dívida dos consumidores brasileiros. A pesquisa consistiu em uma revisão bibliográfica dos temas superendividamento e cartão de crédito e uma pesquisa empírica documental, das decisões do Superior Tribunal de Justiça (STJ). O método utilizado foi análise de conteúdo, compreendendo a elaboração de fichas de leitura previamente estabelecidas. As fichas foram catalogadas de acordo com o assunto tratado pelo acórdão. Obteve-se um total de 7 (sete) grupos de análise: ações revisionais, ações indenizatórias, ações relativas a práticas abusivas, ações de prestação de contas, ações de exibição de documentos, ações de cobrança e declaratórias de inexistência de débitos. A partir da análise dos dados, depreendeu-se as seguintes conclusões: 1. O tema superendividamento ainda não faz parte do repertório da Corte, não tendo sido nem mesmo alegado pelas partes em algum processo. 2. A maior dos processos são ações indenizatórias que discutem meramente o valor exorbitante ou irrisório da indenização. 3. As decisões da Corte são, repetidamente, obstadas pelas Súmulas 5 e 7 do STJ. 4. As revisionais tratam apenas da taxa de juros nos contratos de cartão de crédito. / Undertakes the analysis of judgments about the credit card agreement as a means of preventing or treating consumer over-indebtedness, as the contract represents the largest debt of Brazilian consumers. The research consisted of a literature review of over-indebtedness and the contract of credit card and documentary empirical research of the decisions of the Superior Tribunal de Justiça (STJ). The method used was content analysis, including the development of previously established reading summaries. The sumaries were listed according to the subject matter of the judgment. We obtained a total of seven (7) analysis groups: revisional actions, compensation claims, actions related to abusive practices, accountability actions, document display actions, charging actions and declaratory absence of debts. From the data analysis, the following conclusions can be surmised: 1. The over-indebtedness issue is not yet part of the Court\'s repertoire and was not even alleged by the parties in any case. 2. Most of the cases are compensation claims than merely discuss the exorbitant or negligible amount of compensation. 3. The Court\'s decisions are repeatedly hindered by Precedents 5 and 7 of the STJ. 4. Revisional actions treat only about the interest rate on credit card contracts.

Studying household finance and behavior is important not only for understanding the micro level behavior, but also to have a better understanding of the whole economy. The study of household behavior become even more important after the 2007 housing crises, and the giant effect it had (and is still having) on Wall Street and the whole US and global economy. This dissertation is an attempt to understand some of the household behavior: how does the new internet era affect the demand for credit cards, which attitudes influence the household's decision to file bankruptcy, and whether expenditure habits encouraged overspending. The study will use the micro level data provides by Survey of Consumer Finance SCF2007. In the first chapter, the study focuses on the effect of having internet access on household demand for credit cards, controlling for standard price, income effects and other financial and demographic variables. The internet changed the way consumer shops, with more information about the product, the market and the price. E-Commerce retail sales grew on average of 22% a year over the past decade; in the second quarter of 2009 it reached $32.4 billion. The study found that households who have access to the internet, carry around $862 more on their credit card balance, in average, than households who have no access to the internet. The second chapter investigates the effects of borrowing and saving attitudes on household decision to file for personal bankruptcy. The total non-commercial bankruptcy filings increased from 560,682 cases in 2006 to 784,079 in 2007. This increase continued through 2008 and the first quarter of 2009, with 1,031,443 cases filed in 2008 and 304,228 in the first three months of 2009. The study results suggest that borrowing and saving attitudes have no effect of household decision to file for bankruptcy except for paying credit card balance in full every month. The third chapter studies the relationship between eating out "Food-Away-From-Home" and overspending. Since 19% of household in the US are spending more than their income. The average for the past nine years (2000-2008) was 1.6%. Compared to other industrialized countries, the US had one of the worst personal saving rates during the past twenty years . The study found that eating out does not encourage overspending. On the contrary, the higher the ratio of FAFH to total food expenditures the less likely household will overspend.