Word: chasings
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Dates: during 2000-2009
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...Vantage Point is a wan title for such a bustling movie. (Since it's William Hurt in the terrorists' gun sights, it could be called Kill Bill.) But if it hints at the title of a famous 1970 car chase movie, Vanishing Point, that makes sense, since the new film argues that terrorists can be tracked down not by super-sleuthing or political back-channeling, but because of the fanatically assured driving skills of a lone government agent. The film also has echoes of a few other cluttered frescoes that play out in a limited time-frame: Vantage Point, reduced...
...credit-card companies, it's not sufficient that customers pay their bills on time every month; they must also avoid a daunting array of borrowing habits that lenders deem risky. Like borrowing. Katie Groves, 42, learned this firsthand when the annual interest rate on her Chase Visa bill jumped to 29.99%?from the previous 12%. Although she had never missed a payment and owed only $500, she was told that her rate had increased because Chase had checked her credit report...
...industry has reacted. Chase will join Citibank, which has ceased raising rates for customers on the basis of negative information in their credit reports. "There has never been such a spotlight on the industry," says Curtis Arnold, founder of CardRatings.com, which offers card tips. "It's historic...
...free to raise prices on existing customers at any time and for any reason is tied to deregulation, which began in banking in the 1970s and effectively eliminated caps both on interest and fees. Thanks to mergers and consolidation, the top six card issuers?Bank of America, JPMorgan Chase, Citigroup, American Express, Capital One and Discover?now float about 75% of all outstanding credit-card debt, according to The Nilson Report. Consolidation allows competitors to be less competitive: from 1995 to 2005 the average late fee soared 162% from $12.83 to $33.64, according to CardTrak.com. Fees now account...
Although the industry continues to defend its "risk-based pricing", which it says has made cards more generally available, the voluntary changes from Chase and Citibank (which eliminated its universal default clause in 2007) show a new willingness to curb some of the more controversial practices. "They are kowtowing to political pressure," says Frank Braden, an equity analyst at Standard & Poors. Adds Levin, "They take it very seriously. I think they are very nervous...