Sentences with phrase «time consumer credit»

«Credit Canada was founded in 1966, around the time consumer credit was becoming widely used, and the idea of credit cards was still relatively new,» she said.

In fact, average order size increases 15 % among businesses that offer consumer credit and 93 % of first - time consumer credit users said they would use consumer credit again.

Because the Credit Counseling organizations have structured Debt management programs of credit counseling and are built around education, support and creative solutions that enable the distressed consumer to pay back the loan obligation and might actually help improve over time the consumers credit rating they claim it is a form of credit repair.

Not exact matches

At some point, the consumer was like, «You know what, this is a great way to shop and it is OK to give my credit card information, and generally packages are going to show up on time.»

Consumers used to debate about whether people would be willing to provide their credit card information to shop online or trust that their package would get there on time.

Bethy Hardeman, Credit Karma's chief consumer advocate, says the same thing, almost verbatim — specifically because they stick around for a long time.

Online platform offering consumers credit and leasing options to help them purchase high - cost goods over time and avoid late payments.

In lieu of interest and consumer user fees, UM makes its end from the transaction fees MasterCard charges vendors every time they complete a credit card transaction.

How to Save Money, Time and Resources Through Collaborative Consumption, credits the growing popularity of sharing - economy startups to a consumer base that's fed up with corporate domination and has shifted its values toward more mindful choices.

During that time frame, hackers made off with millions of consumer credit card numbers from prominent retailers including Home Depot and Staples.

It's time for consumers to have control over their personal information and credit data — starting now.

«A lot of the growth in credit - card accounts is simply because there's never been a better time for consumers for credit - card rewards,» said CreditCards.com senior analyst Matt Schulz.

They extend a line of credit that consumers pay off over time.

At the same time, the improving jobs market and low unemployment has increased consumer confidence and spurred the demand for credit cards.

Even though Experian recently started reporting on - time rent payments on consumers» credit reports, you probably aren't going to get credit score brownie points for paying the rent right when you should.

The researchers at myFICO say that consumers who open several credit accounts in a short period of time are a greater risk to default on their loans or miss credit card payments.

Based on the huge jump in credit card debt to an all - time high and the decline in the savings rate to a record low in Q4 2017, it's most likely that the average consumer «pre-spent» the anticipated gain from Trump's tax cut.

It concerns the fact that she sees up to 50 % of all consumer credit lines being yanked at exactly the worst time for any prospects of a recovery... which would mean now.

At the same time, consumers are borrowing more, particularly with credit cards.

The growing availability of credit has also expanded the resources available to new entrepreneurs launching businesses, and has given many families access to the funds they need to «smooth over» periods of financial challenge.9 / At the same time, competition among lenders for individuals with solid credit histories has reduced the price of credit for those consumers.10 /

They collected data about the negative aspects of consumers» credit histories, such as delinquencies, defaults, and bankruptcies, while minimizing information about on - time payments.

This card also allows consumers to make cash advances and build credit over time.

Our institutions, unlike consumer loans or credit cards, give entrepreneurs access to financing when and where they need it — like hiring new employees on short notice, purchasing inventory, upgrading or expanding facilities and equipment and other time sensitive actions.

«The breach compromises the credit bureau's reputation as a trusted steward of consumer data, and will create a near - term business disruption,» SunTrust analyst Andrew Jeffrey told Time.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

We have suspected for some time that many consumers have been paying their everyday expenses with credit cards and other forms of revolving debt.

We know that the average consumer doesn't have the time to sort through all the details of each credit card offer, so we're doing it for you.

Dave Schafer says the company credits its growth to «staying up with the times and staying current with the changing needs of consumers.»

Most of the credit goes to the company's reputation for freshness during a time when consumers have become more scrutinizing in their demands for natural and wholesome foods.

I / we agree that if any material change (s) occur (s) in my / our financial condition that I / we will immediately notify BSHFC of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and financial statement and the representations made herein as a true and accurate statement of my / our financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application and financial statement.nI / we authorize and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers products and services which, by nature of the business, include trade secrets, confidential and proprietary information, and other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes and in the course of his / her duties, has access to said secrets and confidential information; and WHEREAS, Baby Safe Homes has trade secrets and other confidential and proprietary information, including procedures, customer lists, and particular desires or needs of such customers to which Applicant has access in the course of his / her duties as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any other person or entity, any trade secrets or other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except as required in the course of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.

«Particularly in these credit crunch times, owning a caravan holiday home is a major investment for the consumer - for some, it is buying the holiday home of their dreams.

Central bank credit expansion, disconnected from consumer time preference, both domestic and foreign, provided fuel to the fire it all started.

Consumers who have taken out alternative loans multiple times and paid them back have a significantly lower probability of delinquency on a traditional credit product.

While DRM may seem unfair to you as a consumer, the issue is not so far removed from your own life: if someone took credit for a year or more of your job or simply deducted money from your paycheck because they felt they were entitled to your work without paying you for the time and effort spent, you could find your position on this matter much different than you might now.

As the settlement with the publishers has been approved, consumers should soon start to see refunds — most likely issued in the form of credits on their accounts — for ebooks purchased during the time period of the stated collusion.

For copies of Works purchased pursuant to TOS granting «the non-exclusive right to keep a permanent copy» of each purchased Work and to «view, use and display [such Works] an unlimited number of times, solely on the [Devices]... and solely for [the purchasers»] personal, non-commercial use», Amazon will not remotely delete or modify such Works from Devices purchased and being used in the U.S unless (a) the user consents to such deletion or modification; (b) the user requests a refund for the work or otherwise fails to pay for the work (e.g., if a credit card issuer declines payment); (c) a judicial or regulatory order requires such deletion or modification; or (d) deletion or modification is reasonably necessary to protect the consumer, the operation of a device or network used for communication (e.g., to remove harmful code embedded within an e-book on a device).

American consumers are traveling down a familiar path with credit card debt and now might be a good time to get familiar with the term credit card debt consolidation.

If a credit repair companies send 20 disputes at one time, instead of just one or two, the credit bureaus can become overwhelmed and this looks poorly not only on the credit repair site, but also you as a consumer.

FICO ® Scores are based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated.

Basically, Quebec consumer protection laws are likely at play here (specifically, a separate rule that requires credit card companies to offer an interest - free grace period for all purchases if the minimum payment is paid on time, even if you don't pay it off in full, and also in terms of when or under what circumstances annual fees may be charged).

However, by the time consumers place into the highest spending tier, they will likely be earning all available credit card bonuses and perks, which makes the value of those airline cards significantly higher.

Consumer reporting bureaus log a soft, or promotional, inquiry on your file each time a bank extends you a pre-approved credit card offer.

Penalizing a homeowner for doing what he was «supposed» to do but at the wrong place and time is not as fair as dinging a consumer who blithely runs up credit card balances he can not afford.

If you're having trouble paying your bills on time, get help from a local consumer credit counseling agency or bankruptcy attorney to learn about options for debt relief.

Then apply these lessons to understand why consumer credit scores rarely match what your lender pulls at a later point in time.

Are they Consumers, Homeowners, First - Time Buyers, Mortgage, Real Estate, Credit Specialists and Auto Industry Professionals who can benefit from Credit - Aid Software?

Capital One, on the other hand, is targeting consumers looking to re-establish their credit and will provide access to a higher credit line once a cardholder makes five on - time payments,» says Davidson.

Many times consumers are either in the dark about what they need to do to maintain good credit or they just don't have the ability to negotiate with their creditors alone.

MoneyLion offers «LionLoans» usually to consumers with FICO scores lower than 640; consumers can build their credit profile with MoneyLion and over time improve their chances of obtaining larger loans at much cheaper rates through good financial habit building.

Taking out an installment loan can help consumer build their credit scores in multiple ways — provided they borrow a small amount and repay the lender on time.