Discussion paper on credit card interest charges = Document de travail sur les frais relatifs à l'utilisation des cartes de crédit
In 1986, credit card balances amounted to about 5 billion, and it is estimated that in 1987 approximately 64% of Canadian consumers possessed at least one credit card. However, there are very few terms and conditions in the pricing of credit cards, making it difficult for the average consumer to understand the costs associated with their use. This paper studies aspects of the credit card industry: partial payments, variations in interest rates, variation in method of interest calculation, the cost of credit card services from financial institutions, retail stores and gasoline credit cards, and travel cards. Discusses provision of information, changes to industry practices and recommends a method of interest calculation. Includes April 1988 pricing features of selected cards.
"In 1986, credit card balances amounted to about 5 billion, and it is estimated that in 1987 approximately 64% of Canadian consumers possessed at least one credit card. However, there are very few terms and conditions in the pricing of credit cards, making it difficult for the average consumer to understand the costs associated with their use. This paper studies aspects of the credit card industry: partial payments, variations in interest rates, variation in method of interest calculation, the cost of credit card services from financial institutions, retail stores and gasoline credit cards, and travel cards. Discusses provision of information, changes to industry practices and recommends a method of interest calculation. Includes April 1988 pricing features of selected cards."@en
Federal-Provincial-Territorial Conference of Ministers of Consumer and Corporate Affairs (1987 : Charlottetown, P.E.I.)
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Canada. Federal-Provincial-Territorial Conference of Ministers of Consumer and Corporate Affairs.
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Canada. Ministère de la consommation et des corporations.
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Federal-Provincial-Teritorial Conference of Ministers of Consumer and Corporate Affairs.
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Federal-Provincial-Territorial Working Group on Cost of Credit Disclosure.
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Federal-Provincial-Territorial Working Group on Cost of Credit Disclosure (Canada)
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Groupe d'étude fédéral-provincial-territorial sur la divulgation du coût du crédit.
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