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One of the signature elements of the Credit Card Act of 2009 was a provision that required college students under the age of 21 to have either independent proof of income or a co-signer when ...
The good news is that card issuers define income very broadly. It’s not just full-time work. Part-time and seasonal income counts, including summer and campus jobs.
Two in 3 Americans (67 percent) with credit card debt still try to maximize credit card rewards, according to Bankrate’s Chasing Rewards in Debt Survey. If you already have debt, instead of ...
Even though Millennials are well known for taking out large amounts of student loans, these are actually not their main source of non-mortgage personal debt, but rather credit-card debt. According to a 2019 Harris poll, the average non-mortgage personal debt of millennials was US$27,900, with credit card debt representing the top source at 25% ...
The Equal Credit Opportunity Act (ECOA) is a United States law (codified at 15 U.S.C. § 1691 et seq.), enacted October 28, 1974, [1] that makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to ...
As of 2006, the United States probably had one of the world's highest if not the top ratio of credit cards per capita, with 984 million bank-issued Visa and MasterCard credit card and debit card accounts alone for an adult population of roughly 220 million people. [105] The credit card per U.S. capita ratio was nearly 4:1 as of 2003 [106] and ...