Das WSJ hat eine sehr gute Geschichte wie sich die Kreditbedingungen abseits der Hypothekenmärkte für den US Konsumenten spürbar verschlechtert haben. Klickt bitte auf die Überschrift um die Details zu erfahren.
Thanks to Solvent Celt
Individuals See Higher Rates,Harsher Terms on Credit CardsAnd Other Consumer Loans
.....because more consumers -- increasingly locked out of home-equity loans and lines of credit -- are using their credit cards more. This month, for example, the Federal Reserve said consumer credit rose at an annual rate of 6.5% in June to a record $2.459 trillion, the second straight sizable gain. The increase was led by an 8.4% rate of increase for revolving credit, the category that includes credit-card debt.
Doug Eddings, a 35-year-old small-business owner in Portland, Ore., says three of his credit-card issuers all took steps in recent weeks to tighten his credit, either by raising his interest rate, halving his available credit or freezing his accounts.
First, he received a notice from Chase in June, notifying him that it was going to raise the interest rate on his Chase Amazon card to 29% from 17%. Soon after, another lender, HSBC Holdings PLC's HSBC North America, dropped his $5,000 credit line on his Best Buy store card to $2,105 -- just $5 above his current balance. ....
> On top of this i think this Interview from iTulip with James Scurlock, Creator of "Maxed Out" is worth listening
> Um das Bild abzurunden bietet sich zusätzlich der folgende Link an Interview from iTulip with James Scurlock, Creator of "Maxed Out"