Posts Tagged ‘debt

22
Oct
11

Grafico du Jour: Tenencia china de deuda US

(Fuente: Global Macro Monitor, via Creditwritedowns.com)

22
Sep
11

Gráfico du Jour: Deuda soberana, ¿Quién la tiene?

(Fuente: Credit Writedowns)

27
Jul
11

Gráfico du Jour: Really Too Big To Fail (RTBTF)

(Fuente Fitch, via FT Alphaville)

 

20
Jul
11

Gráfico du Jour: Europa, Maturity promedio de Deuda Soberana

(Fuente: Morgan Stanley, via FT Long Room)

10
Jul
11

Gráfico du Jour: Siguiente ficha en el domino, Italia.

(Fuente: DTCC & Bloomberg, via Zero Hedge)

29
Jun
11

Gráfico du Jour: Acreedores de Grecia

(Fuente: UBS, Bloomberg, IMF, via FT Alphaville)

18
Jun
11

Gráfico du Jour: Obligaciones griegas

(Fuente: Bloomberg, via Zero Hedge)

14
May
11

Gráfico du Jour: Comparaciones Pochocleras



(Fuente: FT Alphaville)

13
May
11

Gráfico du Jour: Grecia, Reestructuración de Deuda

(Fuente: Barclays, via FT Alphaville)

04
Dec
10

Paper: Tarjetas de crédito, el impacto de los reintegros

Why Do Banks Reward their Customers to Use their Credit Cards?

Abstract

Using a unique administrative level dataset from a large and diverse U.S. financial institution, we test the impact of rewards on credit card spending and debt.  Specifically, we study the impact of cash-back rewards on individuals before and during their enrollment in the program. We find that with an average cash-back reward of $25, spending and debt increases by $79 and $191 a month, respectively during the first quarter.  Furthermore, we find that cardholders who do not use their card prior to the cash-back program increase their spending and debt more than cardholders with debt prior to the cash-back program.  In addition, we find that 11 percent of cardholders that did not use their cards in the previous 3 months prior to the cash-back program spent at least $50 in the first month of the program.  Finally, we find heterogeneous responses by demographic and credit constraint characteristics.

Link al Paper




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