Despite APRs that can top 30%, some shoppers still like retail credit cards over buy now, pay later plans [CNBC]
TransUnion (TRU)
Last transunion earnings: 4/28 06:50 am
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Source: CNBC
Interest rates for retail store credit cards are averaging a bit more than 30%. If you plan to finance your holiday purchases, keep in mind “ownership costs,” experts say. High interest rates aren't deterring many shoppers from store credit cards. When asked to choose between a store card or a buy now, pay later plan, 58% of surveyed shoppers prefer store cards, according to a new report by LendingTree. The remaining 42% picked BNPL loans. The site polled 2,040 U.S. adults in September. That choice “speaks to the fact people may be looking for a little bit longer-term help with their financial situation,” said Matt Schulz, chief credit analyst at LendingTree. In December, new cards offered by the top 100 retailers had an average annual percentage rate of 32.66%, up from 27.7% in 2022, according to the Consumer Financial Protection Bureau. Many short-term BNPLs do not charge interest, but longer-term loans do, and on the higher end, those rates can be comparable to a store
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TRU
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- 10/23/24 - Beat
TRU
Sec Filings
- 12/17/24 - Form 8-K
- 12/4/24 - Form 4
- 12/4/24 - Form 4
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