The study is based on the financial statistics published by the Financial Supervisory Commission (FSC) to analysis the behavior of Taiwan credit cardholders after the dual card crisis and the global financial storm. In the meantime, the data as of September and November 2008 is applied to examine the impact of credit cardholders in different segments who have cash needs after the regulation implementation. The study concludes that: 1. The behavior of credit cardholders impacted by the dual card crisis and the global financial storm Using various statistical charts and one-way ANOVA analysis can be found that after the dual card crisis and global financial storm, the revolving credit balance of credit card market reduced year by year. Obviously, a correct concept of card usage is established gradually. Cardholders should not only enjoy the convenience of credit card, but also control the burden of over spending. 2. The cash advance amount deteriorated due to FSC regulation implementation After a series of guided actions launched by FSC, people no longer rely on credit card as a financing tool but treat it as a payment implement. The amount of cash advance shrink while the cardholders who have cash advance need get financing from personal loan. 3. The impact is various between each segment by regulation Using Independent-Sample T Test, it is found that there are no significant differences in credit card cash advance features for cardholders who have debt burden ratio greater than 22 times of the monthly income, the internal employee, and cardholders whose credit line is greater than NT$800,000.

The purpose of this research is to understand Marketing and Social Responsibility of Credit Card through the literature discussion and the secondary material analytic method. This research firstly exploreing a series of discussions to the trend of Credit Card through the data on periodical, paper, and newspaper and advertisement material. With the help of the research material of Credit Card studied by the card organization and in-depth interviews with their clerks, this research find out the key success point of the case bank¡¦s marketing, and how the target bank adopt their suitable marketing strategy in the competitive market. The fields of risk management, brand image, marketing mix and social responsibility of the target bank -The International Commercial Bank of China (ICBC) also discussed. Secondly, the research find out that Credit Card market expand speedy in Taiwan caused of dual influence both in the furious competition and the fact that consumer finance sector aim at "quantity" not ¡§quality¡¨. Due to Credit Card customer screening is not all that rigorous like the enterprise finance sector do, there are many social responsibility problems occured, like Credit Card overflowing, question of student card, false Credit Card and inappropriate collect the receiveable on demand. Financial Supervisory Commission, Bankers Association and Credit Card Organization should play an important role in public policy and corporate social responsibility, avoiding the credit card crisis like that occurred in South Korea. In conclusion, the study synthesizes these findings to propose the comprehensive view, and provides marketing strategy in the credit card marketing; avoid the credit card fasle use and suggestion in the public policy.

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.

This study focus on the card slave problem, using Professor J.W.Forrest ¡¥s System Dynamic model to simulate the relationship between Card Holder and Banks, hoping to find a solution to help the slave problem. This study has the following conclusions. 1. Most Card Slave are made of their own consumption behavior, but this is only half the reason whey they ended up in debts. During the Credit Card promotion war, banks failed their responsibility and provided these card holder enough limit and not enough credit checks, which is another half reason why the problem occurred. 2. In general, Bank wants to maximum their profit by leaving their customers to pay as much revolving interest , for as long as possible. However, they failed to realize that as the time and debt goes by, card holder starts to lose their repaying ability, and this seriously effects the banks revenues when one day they just cant afford to pay anymore, the repaying ability is never consider in the banks credit limit policy, but it is in fact the most significant fact of them all. 3. Therefore it is best for Bank to use System dynamic method to monitor the repaying ability and dynamically adjust the credit limit and other factors to control the customers¡¦ wiliness to use their card.

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.

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.