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Debit use lifts Visa, MasterCard revenues | SavannahNow.com   Local News » 1A/Coastal Empire Accent » Brew U Faith Forward Great Escapes Horoscopes Exchange » Columnists Money and Markets Newsmakers Sports » Prep Central Get Outdoors Opinion Sugar Plant Explosion Closeups Archives Obituaries Celebrations Activote Data Central » Arrest Reports Church Directory Crime Reports Food Inspections Property Transfers Registered Sex Offenders Undelivered Tax Refunds Worst Homes Wi-Fi Hotspots EffinghamNow BryanCountyNow Hurricane Guide Military Matters Video Audio Slideshows Columnists Legal Notices Check Gas Prices Breaking prepaid virtual visa News Email Spotted® Vox Populi Post Blog Read Blogs Read Forums Groups Horoscopes Upload Your Video Watch Your Video Place an Ad Find a Home Find an Apartment Find a Job Find a Car Find a Pet Classifieds View SMN Ads Business Directory Special Sections Food & Dining » Local Restaurants Pete Lamb Reviews On Food Savannah BBQ Brew U The Tasting Room St. Pat's Day Savannah Magazine TV Listings Movie Listings Events Calendar Exclusively Savannah Local Travel Destinations Andres & Egypt Webcast Mobile Web Site Source Guide Site Map Staff Media Kit About Us Search Archives Site Web Web Search powered by yahoo! search 93° F       News Exchange | Intown email this page | printer friendly version | 143 reads | Blog This | Post to Forums | Debit use lifts Visa, MasterCard revenues MADLEN READ | Monday, August 4, 2008 at 12:30 am NEW YORK - As Americans see their home prices plunge, bills climb and credit lines shrink, they are swiping their credit cards less and their debit cards more - and Visa and MasterCard are still raking in the fees. Debit card use has been catching up to credit cards for years, but the phillipine business visa weak economy has cemented debit as a major U.S. revenue driver for card processors. U.S. credit card use hasn't secured visa ratings dropped off, o1 visa to fannie mae non-permanent but it is growing at its most anemic pace yet compared with debit. "Credit card spending in general is much softer" in the United States, said Visa Inc. Chief Executive Joe Saunders in a conference call with analysts late Wednesday. "It's not down, but it's marginally up, in the low single digits. Our debit card spending, on the other hand, has continued merchant online statement visa to

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grow and is very robust." MasterCard Inc.'s results revealed a similar trend. Within the United visa for south korea States, MasterCard's gross chase card visa dollar volume phish visa on credit and charge cards inched up 0.7 percent during the second quarter - slower than in previous quarters - but gross dollar volume on debit cards soared 15.8 percent. Some of the disparity is due to people switching from cash and checks to debit, but a good deal of the difference reflects a shift away from credit amid a flagging economy, executives and analysts say. "The economic environment is pretty tough," said MasterCard CFO Martina Hund-Mejean during a call with analysts Thursday. She said consumers are continuing to shift their spending from discretionary items and more toward nondiscretionary items like gasoline, food and health care. People tend to use hands free visa mobile phones debit for their everyday spending and credit and charge cards for other items, Lehman Brothers analyst Bruce Harting wrote in a note earlier this week. What's also appearing to dampen credit card spending is the decision by banks such as JPMorgan Chase & Co. and Citigroup Inc., which issue MasterCard and visa fee settlement Visa cards, to lower many cardholders' credit lines as defaults mount. Visa's Saunders said reduced credit lines did not contribute significantly cibc gold visa to Visa's slowdown in U.S. credit card spending growth, but MasterCard's Hund-Mejean cited it as a factor. "We also do believe that the housing prices and the restrictions in credit for consumers have an impact on consumers utilizing their cards," Hund-Mejean said. To be sure, credit card spending still comprises a major portion of Visa and MasterCard's revenues. And U.S. credit card use is still heavy visa coupon book for hawaiian cities compared with other types of borrowing, such as mortgages or auto loans. The Federal Reserve reported earlier this month that the 3.6 percent increase in May's total borrowing was due mainly to credit card borrowing. However, many have attributed that month's jump to consumers' anticipation of stimulus checks from the government. Visa's profit rose 41 percent in the April-to-June quarter to $422 million, or 51 cents a share, up from $299 million in the same period a year ago, before the company went public. MasterCard posted a $747 million loss for the second quarter after stratus rewards visa taking a $1 billion after-tax charge related to an antitrust settlement with American Express Co. But its results still surpassed the expectations of analysts, who exclude one-time items from their forecasts. Disregarding the AmEx settlement

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charge, MasterCard's profit rose to $276 million, or $2.11 a share, on a 25 percent jump in visa gift card digit revenue. Both Visa and MasterCard benefited from strong credit and debit spending outside the United States. Some analysts said the reaction was overly negative. "We're going ibanks account for visa reserve to see slower credit card spending because people are maxed out. But just because people can't use credit doesn't mean they're going to turn to cash," said Red Gillen, senior analyst with Celent, a Boston-based financial research and consulting firm. U.S. credit card revenues are likely to pick up when the economy recovers. "Credit will come back, there's no question about it," Hund-Mejean said in an interview. But MasterCard, like its rival Visa, has been aggressively pursuing the debit business over the past few years. And it's a trend that it aims to continue, MasterCard's Hund-Mejean said: "We disney visa rewards points do believe that we will participate in a much bigger way going forward." She said the fees MasterCard gets from debit purchases, not including creditone visa ATM withdrawals, are about the same as those received from credit card purchases. Your Rating Score: 0.0, votes: 0 If you'd like to rate or comment on the story above, please log-in or register now. email this page gary bala fiance visa kit | printer friendly version | 143 reads | Blog This | Post to Forums | Top Jobs Loading... Augusta Top Jobs Loading... Athens Top Jobs Loading... Top Autos Loading... Top Homes Loading... » View All Source Items SavannahNow Source Guide Text Messages: Sign up now to receive breaking news, weather and sports messages on your phone.visa vendor readers. Food Inspections: Does your favorite restaurant make the grade? Check to find out. Sex Offender Database: Search to find out if sex offenders live in your neighborhood. Food & Dining: Click here for food, restaurant, drink information. Horoscopes: What's your sign? Check out this page no chexsystemsinternational offshore visa debit for your daily astrology reading.     © 2008 SavannahNOW and the Savannah Morning visa brazil News. About Savannahnow.com | Terms of Service | Privacy Policy | Contact Us | Local Business Listings
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WINNING STRATEGY - New York Post NYC Weather 83° MOSTLY SUNNY Monday, August 04, 2008 Last Update: 03:15 PM EDT Recent Archives The Web     Story Index                   Post An Ad Marketplace Autos Dating dubai visa processing Jobs Real Estate Sports Blogs PopWrap Fashion Movies Travel Real Estate TV Video Games bank of america visa Intern Stories Tempo Weight Loss Business Home Columnists Real Estate Business News Stock Quotes Sunday Business Real visa delta Estate Blog WINNING STRATEGY PATH TO OLYMPIC AD GLORY visa application IS LONG-DISTANCE EVENT By HOLLY M. SANDERS Loading new images... Posted: 4:09 am August 4, 2008 Olympic stars can translate into pure gold for advertisers - but only if the corporate sponsors can run the marathon courtship today's deals require. For example, while most people will discover 19-year-old visa requirement for serbia swimming sensation Katie Hoff when the Beijing national visa unit juarez Olympics kick off this week, Visa has been eyeing her since the 2004 games in Athens. Visa didn't wait for Hoff - billed as the female Michael Phelps - to make it to the podium. The credit-card giant added her to its Olympic roster four years ago, banking she will be a breakout star in Beijing. "She is very applied card visa versatile and similar to Michael," said Peter Carlisle, director of Olympic and action sports at Octagon, which represents Hoff and Phelps. "We had our eye on her and so did Visa." Most Olympic advertisers place their endorsement bets well in advance of the event. Sports marketers, agents and the media spend hours analyzing the athletes most likely to win medals and have identified those with the

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most compelling personal stories. But for all the dollars thrown at athletes, just a handful will chase visa accounts land big endorsement h1b visa nursing jobs deals. "Nowadays, the breakout stars are few and far between," said Q Sports founder Patrick Quinn, whose clients include Olympic weightlifter Melanie Roach. "It's increasingly difficult to come by an unexpected win." Moreover, the race to seize on those as-yet-unknown talents uk visa fees has become even more competitive as corporate marketers look to live sporting events to draw audiences. Visa is already evaluating its lineup of reloadable visa card major bank athletes for London in philippine visa extensions 2012. Meanwhile, marketers will start working the phones as soon as Beijing is over. "Within two weeks of conrad j-1 visa waiver program physician Beijing, we will have done air tran visa our first outreach," said Quinn. "You have companies that laugh, but you have to do it." To maximize exposure, marketers prefer to put their ad dollars behind athletes leading up to the Games. Agents also hustle to land clients on mag airport visa for kazakstan covers and TV, a process that can take months. "A lot of what you see - the positioning and the developing of the athletes' images for corporate interests - is done well in advance of the Games," said Carlisle. "I'm less interested in signing an athlete after they do well at the Games." Marketers say there student visa uk is always the chance lowest interest rate canadian visa an athlete will emerge during competition. schengen visa info But with football season up next, the spotlight only lasts so long. With athletes Hoff and Phelps, Octagon is looking to prolong the spotlight. The company is visa expiration on passport planning a sponsored media tour for the pair and the firm's other Olympians as soon the Games wind down in China. "That's when athletes can cash in," said Scott Sandford of Davie-Brown, a sports and entertainment marketing firm. "It's a small window of time." [email protected] SHARE BOX Show your support. Buzz this article

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