det her kommer til at gøre ondt ……

Faldt over denne artikel som nok bliver det største og værste emne for vores økonomi i 2008.

Husk vi SUBPRIME krisen ?? Ja ikke.. Men hvad med Creditcard krisen ??

Jeg er lidt i tvivl.. menjeg tror nu at Credit Card Crisis allerede er ved at tage fat i USA.

SAN FRANCISCO (MarketWatch) — Faced with mounting account delinquencies, major U.S. banks are penalizing credit-card customers late on payments by hiking their accounts to maximum default interest rates of 30% and more — even those with good credit records.

Default rates imposed for late payments, exceeding credit limits and bounced payment checks typically are levied on cardholders with poor credit scores, often incrementally. But state banking regulators and watchdog groups report a growing number of complaints of maximum default rates being imposed on erring customers with above-average credit scores of 700 and higher.

The industry’s fear

The decline in Americans’ home equity due to slumping real-estate values is limiting cardholders’ ability to pay off higher-interest credit-card debt with home-equity loans. As that resource becomes unavailable to more borrowers, experts say, lenders are taking aggressive measures to limit their exposure on unsecured credit-card debt.

Credit-card lending is the riskiest personal debt for banks to hold because, unlike mortgages or car loans, it’s not secured by collateralized real property they can seize if borrowers fail to make payments.

Lenders are now confronting rising defaults on the $920 billion that the Federal Reserve estimates Americans currently carry in credit-card debt. Delinquencies of 90 days or more — which lenders generally write off — rose 18% to $961 million in October from a year earlier at 17 trusts holding 45% of U.S. credit-card debt, according to an Associated Press analysis of Securities and Exchange Commission filings.

Nok om det men her finde du et kontorfællesskab i københavn

~ by turbino on January 2, 2008.