In addition to this, they were also given a «Stable» outlook and a long - term
issuer credit rating of «a -» which means that they should still be able to pay claims long into the future.
Before the merger of Veteran's Life Insurance Company, this insurer was rated by A.M. Best Company as an A (Excellent), and it also had
an issuer credit rating of a +.
A.M. Best also provides future guidance, stating that Phoenix Life's future outlook is «STABLE,» with a long term
issuer credit rating of bb +.
NJHMFA's
issuer credit ratings of AA (stable outlook) by Standard & Poor's Rating Services and Aa2 (stable outlook) by Moody's Investors Service, Inc. are among the highest ratings given to any state housing finance agency in the nation.
Not exact matches
Fixed income investments entail interest
rate risk (as interest
rates rise bond prices usually fall), the risk
of issuer default,
issuer credit risk and inflation risk.
The recent fast growth
of the corporate market has been associated with a changing pattern in the
credit ratings of issuers.
Changes in the financial strength
of a bond
issuer or in a bond's
credit rating may affect its value.
High - yield bonds represented by the Bloomberg Barclays High Yield 2 %
Issuer Capped Index, comprising issues that have at least $ 150 million par value outstanding, a maximum
credit rating of Ba1 or BB + (including defaulted issues) and at least one year to maturity.
Just as individuals have their own
credit report and
rating issued by
credit bureaus, bond
issuers generally are evaluated by their own set
of ratings agencies to assess their creditworthiness.
They are also less likely to have call protection, which means that if a company's financial condition or
credit rating improves, the
issuer can call its outstanding bonds and take advantage
of lower funding
rates.
The table to the right offers some illustration
of how many different
issuers may be required to help achieve diversification at different
credit ratings.
a reduction in the
rating awarded a debt or equity security; a
credit agency downgrades the debt
of a company, municipality, or governmental entity indicating a potential deterioration in the financial situation
of the
issuer and its ability to meet its obligations in full and / or on time.; a downgrade suggests investors are less certain to receive interest payments and return
of capital
Brian led the charge in developing Morningstar's
issuer credit ratings, creating and rolling - out one
of the firm's proprietary
credit metrics, the Cash Flow Cushion.
Some
issuers offer unsecured
credit in the form
of short term loans with higher - than - average
rates.
Be mindful
of the bond
issuer's
credit rating and the bond's duration.
Bonds are subject to interest
rate risk, call risk, reinvestment risk, liquidity risk, and
credit risk
of the
issuer.
Bond funds are subject to interest
rate risk, which is the chance bond prices overall will decline because
of rising interest
rates, and
credit risk, which is the chance a bond
issuer will fail to pay interest and principal in a timely manner or that negative perceptions
of the
issuer's ability to make such payments will cause the price
of that bond to decline.
Bond investments are subject to interest -
rate risk (the risk
of bond prices falling if interest
rates rise) and
credit risk (the risk
of an
issuer defaulting on interest or principal payments).
An AAA
rating is the highest possible
rating assigned to the bonds
of an
issuer by
credit rating agencies.
An AA +
rating is generally one step below the highest
rating (AAA) assigned to the bonds
of an
issuer by
credit rating agencies.
True, the
Credit CARD Act of 2009 requires credit card issuer to apply your payment to the highest - rate balance
Credit CARD Act
of 2009 requires
credit card issuer to apply your payment to the highest - rate balance
credit card
issuer to apply your payment to the highest -
rate balance first.
«The same thing holds with bonds — so you have to look at the
credit rating of the
issuer, [which can indicate] whether it can keep its promise [to pay you back with interest].»
Bond
ratings, which typically range from AAA / Aaa (highest) to D (lowest), are assigned by
credit rating agencies such as Standard & Poor's, Moody's and / or Fitch, as an indication
of an
issuer's creditworthiness.
A spokesman for the
ratings agency said, «Moody's does not refrain from taking
rating action when its opinion on the
credit risk
of an
issuer has changed.»
-
credit rating agencies should be reformed - those paying for their services should be investors rather than the
issuers of debt.
As well, similar to personal
credit scores, the
issuer's history
of repayment to other creditors will affect their
credit rating.
Penalty
Rate — The interest rate a credit - card issuer will charge for violating the terms and conditions of the signed agreem
Rate — The interest
rate a credit - card issuer will charge for violating the terms and conditions of the signed agreem
rate a
credit - card
issuer will charge for violating the terms and conditions
of the signed agreement.
They want to stay on the short end
of the yield curve to control their interest
rate risk but are taking on an increasing amount
of lower
credit - quality
issuers in an attempt to increase their yield.
Though there is a lot
of debate going around whether it is fair to make
credit score a variable when
rating insurances, truth is that the
issuers take
credit score into account and if you can show a higher
credit score, you'll do a lot better.
If they
rate an
issuer's
credit as higher than the external
credit ratings, they are often able to pick up the security at a discount to their perception
of it's intrinsic value.
The
Credit CARD Act of 2009 requires issuers to inform you when changes are being made to your credit card interest
Credit CARD Act
of 2009 requires
issuers to inform you when changes are being made to your
credit card interest
credit card interest
rate.
Wells Fargo is the latest
of several major
issuers to add a flat -
rate cash - back
credit card to its portfolio.
Depending on your
credit card company, a number
of other factors may cause you to incur the penalty
rates as well, including but not limited to: exceeding your
credit limit, or defaulting on another account with the same
issuer.
This puts them at risk
of being victims
of predatory
credit card
issuers who are offering their
credit cards at exorbitant interest
rates and fees.
In addition, the market value
of a CD in the secondary market may be influenced by a number
of factors including, but not necessarily limited to, interest
rates, provisions such as call or step features, and the
credit rating of the
Issuer.
You can search by feature,
issuer,
credit rating, or take a look at the top
credit cards selected by the editorial team
of the site.
What to look out for: Business
credit cards are not protected by the CARD Act
of 2009, and that means
issuers have a lot more freedom to raise interest
rates.
Bond ETFs are subject to interest
rate risk, which is the chance that bond prices overall will decline because
of rising interest
rates, and
credit risk, which is the chance a bond
issuer will fail to pay interest and principal in a timely manner or that negative perceptions
of the
issuer's ability to make such payments will cause the price
of that bond to decline.
Since
credit card
issuers consider you a risk, given they have no history
of your past financial decisions or habits, they charge a high interest
rate for the first 6 months to a year
of your having your new
credit card.
The performance
of these investments may be adversely affected by tax, legal, legislative, regulatory,
credit, political or government changes, interest
rate increases and the financial conditions
of issuers, which may pose
credit risks that result in
issuer default.
The interest
rate depends on the
credit risk
of the bond
issuer.
So, as
of Feb. 22, 2010,
issuers will not be allowed to hike interest
rates for existing balances on consumer
credit cards, but they will still be able to do that with the
credit cards issued to and used by businesses.
Credit card
issuers often set different
rates that apply to different types
of transactions and different circumstances.
However, instead
of making several payments at a very high
rate of interest to several
credit card
issuers, you make one payment — often with a lower interest
rate — to the P2P lender.
Changes in the
credit rating of a bond, or in the
credit rating or financial strength
of a bond's
issuer, insurer or guarantor, may affect the bond's value.
Since the last recession, so many people are in need
of secured
credit cards to boost their
credit rating that many
credit card
issuers are including some bad -
credit specific rewards to help out people who have bad
credit.
In addition, the
credit card
issuer must disclose the regular, or go - to
rate, that will be applied to the
credit card at the end
of the introductory term.
High - yield bonds represented by the Bloomberg Barclays High Yield 2 %
Issuer Capped Index, comprising issues that have at least $ 150 million par value outstanding, a maximum
credit rating of Ba1 or BB + (including defaulted issues) and at least one year to maturity.
This year, ten percent fewer
credit - card holders received bad news about their cards in the form
of card
issuers lowering their
credit, charging higher interest
rates, enacting late payment fees, canceling their cards or other events that would negatively effect one's relationship with their
credit card.
According to an article on MSNBC, the only way for Citi cardholders to avoid the current round
of interest
rate hike is to meet the monthly spending requirement, as much as $ 750 / month in some cases, imposed by the nation's second largest
credit card
issuers.