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New York attorney general investigating how credit card companies market to college students.
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Interest rates on new credit card offers have been on the decline since the beginning of the new year, reflecting an attempt by the industry to drive up interest in credit card processing as a payment option.
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The concept behind the credit card is relatively straightforward, but that underlying idea is now giving way to a slew of new credit products for consumers.
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There's been something of a backlash against credit cards in recent months, mainly as cash-strapped consumers turn to cash and debit as a means of making payments without incurring debt.
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Prepaid debits cards are gaining traction once again, as consumers search for low-cost alternatives to traditional financing channels such as credit cards.
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