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แสงดาวแห่งศรัทธา

เพลงแสงดาวแห่งศรัทธา ( จิตร ภูมิศักดิ์ ) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Bank Of America Will Find New Fees, Stock Worth $11 "> Trefis Team, Contributor 1 comments, 1 called-out + Comment now Bank of America has finally thrown in the towel on plans to impose monthly fees on debit cards after competitors JPMorgan Chase and Wells Fargo abandoned similar plans to, $11 target leaving BofA in an awkward position as the sole major bank planning to hike additional fees on its cash strapped retail customers. 16 images Photos: The Lawsuits Plaguing Bank Of America Photos: Twenty Ways You're Getting Ripped Off Jim Cramer's Picks For A Year-End Rally John DoboszForbes Staff Video: Greece Snubs Europe, Stocks Tank While this move shows that BofA eventually listened after its customers squealed for months, the decision to raise debit card fees and the willingness to stick its retail customers with an additional fee on debit cards show just how desperate banks are to find new ways to reclaim lost sources of revenue. While this move is a win for debit card holders, we believe that BofA will try to find new ways to regain fees on retail customers like creating promotions to encourage customers to use their credit cards. See our full analysis of Bank of America Debit Card Revenues Set to Fall Significantly Credit cards are one way the bank is trying to make up for these fees, an item we discussed in As New Regs Loom, BoA Converts Debit Customers to Credit Cards. In this note, we point out that the banks' attempts to pass along these new fees were in response to the Federal Reserve's caps on debit card swipes. The Federal Reserve capped the fees on debit card swipes, also called the debit card interchange fee, at 21 cents in June this year. [1] The cap came in effect October 1st and will significantly weigh on revenue generated by banks, as debit card transactions were earlier charged using a formula which averaged about 1.14% of the transaction value. Most banks have stripped their debit card offering of reward points and other such frills while some like Wells Fargo, Bank of America and JPMorgan considered monthly fees on the use of debit cards. Credit Cards, New Promotions Take up Slack We expect banks to explore new avenues to regain some of the fees like pushing more clients to credit card accounts with new promotions and away from debit cards.

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