Word: cards
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...This broad rollout of low-priced check-cashing and debit cards marks a milestone for the millions of "unbanked" Americans who have long had to pay rates as high as 10% of the face value of their paychecks in order to cash them and then pay cash for every single purchase they make because they do not qualify for a credit card or checking account. "These are our core customers. We probably have more than others of this underserved customer," says Jane Thompson, president of Wal-Mart Financial Services, who notes that the average check-cashing customer at Wal-Mart...
...whole and feel unwelcome in institutions where they could not qualify for a checking account in the first place, because of lack of proper ID or employment history. Even when banks do try to reach out to this population-such as Bank of America's new credit card that does not require a valid Social Security number-there has been a backlash among opponents of illegal immigration...
...full-fledged bank, amid opposition from community banks that feared such a move would put them out of business, Wal-Mart's new Money Centers and MoneyCards are giving them a significant foothold in the financial services industry. The centers currently offer money orders, bill payment and phone cards in a newly designated space painted a bright, "firefly gold" in each store. Because the counters are open from 7 a.m. to 9 p.m. seven days a week, they are as quick and convenient as anything but 24-hour check cashers. The $3 check-cashing fee is far lower than...
Someone apparently spent time in lockup honing her arts-and-crafts skills. When Rick and Kathy Hilton visited daughter Paris on Father's Day, she gave her father what he called a "beautiful card." But TMZ reports, "For some odd reason, Rick described this year's holiday as 'not one of my best.' Wonder why?" SCORE...
...Encyclopedia, in an eye-rolling, "Here we go again" tone, scolds that an indulgence "is not a permission to commit sin, nor a pardon of future sin." No doubt environmentalists would insist the same about carbon credits: they are not a gift certificate or get-out-of-jail-free card for would-be polluters. But they sure do play...