The Benefits of Holding Credit Cards Have Increased As credit cards have become more widely held, collateral benefits of holding credit ... 1995, 1022), such as balance transfer offers that have reduced the cost of switching to a new credit card that offers better terms. ... benefited from the expansion of credit was high-risk borrowers, or individuals with poor credit ratings regardless of their income level.
|Title||:||Bankruptcy Reform Act of 1999|
|Author||:||United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law|