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Visa, Mastercard's $30B Settlement: Analyst Sees 'More Record Credit Card APRs In The Short Term'
Visa, Mastercard's $30B Settlement: Analyst Sees 'More Record Credit Card APRs In The Short Term'
Visa Inc (NYSE:V) and Mastercard Inc (NYSE:MA) have made headlines with their groundbreaking $30 billion settlement with U.S. merchants.
The settlement effectively ends two decades of antitrust litigation surrounding swipe fees and merchant restrictions.
Redditor WoodKite echoed the news on r/stocks.
Related News: Visa and Mastercard Reach Deal to Lower Swipe Fees, A Win for Merchants and Potential Boost for Consumer Choices: Analyst
The agreement aims to cap credit interchange rates for the next five years; alleviate financial burdens on merchants; and broaden consumer payment options.
Mastercard, Visa, and plaintiffs' lawyers released statements revealing that the settlement will introduce reduced credit interchange rates and provide merchants with greater flexibility in accepting digital payments.
"By engaging directly with merchants, we've reached a settlement that offers significant concessions addressing the genuine concerns raised by small businesses," Visa North America President Kim Lawrence said.
Rob Beard, Chief Legal Officer at Mastercard, echoed this sentiment, stating, "As the court reviews the settlement, our focus remains on delivering consumers, small businesses, and all business owners a superior payment experience, exceptional value, and peace of mind."
Pending court approval, analysts project that the outlined policy adjustments in the settlement will yield savings exceeding $29.79 billion over the initial five-year period.
Furthermore, merchants are anticipated to gain increased bargaining power, resulting in even greater savings in negotiations with Visa and Mastercard.
APR At 24.66% Is Back On The Climb
In parallel, LendingTree credit analyst Matt Schulz provided exclusive insights to Benzinga on the broader credit industry landscape. "The Fed isn't going to lower rates anytime soon, and it is becoming increasingly unlikely that card issuers will do it either," he said.
Schulz cautioned that despite the Federal Reserve's reluctance to lower rates, credit card APRs continue to climb. March marks the 24th month out of 25 where APRs have risen. "We'll likely see more record credit card APRs in the short term, with rates for those who don't have perfect credit perhaps climbing the most, says Schulz.
"The average APR on a new credit card offer right now is 24.66% and is back on the climb, despite the Fed taking its foot off the gas," Schulz added. He emphasized the importance of consumer advocacy and negotiation in navigating the challenging credit environment. "With delinquencies and debt totals rising, some banks are becoming more reluctant to take on transferred balances." "The fees with 0% balance transfer credit cards rose for the second straight year," he added.
"Three out of every four cardholders who asked for a lower interest rate on a credit card in the past year got one, according to a 2023 LendingTree report," Schulz remarked.
Image: Shutterstock
Visa Inc (NYSE:V) and Mastercard Inc (NYSE:MA) have made headlines with their groundbreaking $30 billion settlement with U.S. merchants.
Visa Inc(纽约证券交易所代码:V)和万事达卡公司(纽约证券交易所代码:MA)与美国商家达成了开创性的300亿美元和解协议,成为头条新闻。
The settlement effectively ends two decades of antitrust litigation surrounding swipe fees and merchant restrictions.
该和解协议实际上结束了二十年来围绕刷卡费和商户限制的反垄断诉讼。
Redditor WoodKite echoed the news on r/stocks.
Redditor WoodKite 在 r/stocks 上回应了这一消息。
Related News: Visa and Mastercard Reach Deal to Lower Swipe Fees, A Win for Merchants and Potential Boost for Consumer Choices: Analyst
相关新闻:分析师:Visa和万事达卡达成协议以降低刷卡费,这对商家来说是一个胜利,也可能增加消费者的选择
The agreement aims to cap credit interchange rates for the next five years; alleviate financial burdens on merchants; and broaden consumer payment options.
该协议旨在限制未来五年的信贷互换利率;减轻商户的财务负担;并扩大消费者支付选项。
Mastercard, Visa, and plaintiffs' lawyers released statements revealing that the settlement will introduce reduced credit interchange rates and provide merchants with greater flexibility in accepting digital payments.
万事达卡、维萨和原告的律师发表声明,透露该和解协议将降低信用交换率,并为商户提供更大的灵活性来接受数字支付。
"By engaging directly with merchants, we've reached a settlement that offers significant concessions addressing the genuine concerns raised by small businesses," Visa North America President Kim Lawrence said.
Visa北美总裁金·劳伦斯说:“通过直接与商家接触,我们达成了和解,提供了重大让步,以解决小型企业提出的真正担忧。”
Rob Beard, Chief Legal Officer at Mastercard, echoed this sentiment, stating, "As the court reviews the settlement, our focus remains on delivering consumers, small businesses, and all business owners a superior payment experience, exceptional value, and peace of mind."
万事达卡首席法务官罗布·比尔德也表达了这一观点,他说:“在法院审查和解协议时,我们的重点仍然是为消费者、小型企业和所有企业主提供卓越的支付体验、卓越的价值和安心。”
Pending court approval, analysts project that the outlined policy adjustments in the settlement will yield savings exceeding $29.79 billion over the initial five-year period.
在法院批准之前,分析师预计,和解协议中概述的政策调整将在最初的五年内节省超过297.9亿美元。
Furthermore, merchants are anticipated to gain increased bargaining power, resulting in even greater savings in negotiations with Visa and Mastercard.
此外,预计商家将获得更大的议价能力,从而在与维萨和万事达卡的谈判中节省更多资金。
APR At 24.66% Is Back On The Climb
年利率为24.66%又回到了攀升期
In parallel, LendingTree credit analyst Matt Schulz provided exclusive insights to Benzinga on the broader credit industry landscape. "The Fed isn't going to lower rates anytime soon, and it is becoming increasingly unlikely that card issuers will do it either," he said.
同时,LendingTree信贷分析师马特·舒尔茨就更广泛的信贷行业格局向本辛加提供了独家见解。他说:“美联储不会在短期内降低利率,发卡机构也越来越不可能降低利率。”
Schulz cautioned that despite the Federal Reserve's reluctance to lower rates, credit card APRs continue to climb. March marks the 24th month out of 25 where APRs have risen. "We'll likely see more record credit card APRs in the short term, with rates for those who don't have perfect credit perhaps climbing the most, says Schulz.
舒尔茨警告说,尽管美联储不愿降低利率,但信用卡年利率继续攀升。3月是年利率上涨的25个月中的第24个月。舒尔茨说:“在短期内,我们可能会看到更多创纪录的信用卡年利率,信用不完善的人的利率可能上升幅度最大。”
"The average APR on a new credit card offer right now is 24.66% and is back on the climb, despite the Fed taking its foot off the gas," Schulz added. He emphasized the importance of consumer advocacy and negotiation in navigating the challenging credit environment. "With delinquencies and debt totals rising, some banks are becoming more reluctant to take on transferred balances." "The fees with 0% balance transfer credit cards rose for the second straight year," he added.
舒尔茨补充说:“目前新信用卡优惠的平均年利率为24.66%,尽管美联储放弃了步伐,但仍在攀升中。”他强调了消费者权益倡导和谈判在应对充满挑战的信贷环境中的重要性。“随着拖欠额和债务总额的增加,一些银行越来越不愿意承担转移余额。”他补充说:“余额为0%的信用卡费用连续第二年上涨。”
"Three out of every four cardholders who asked for a lower interest rate on a credit card in the past year got one, according to a 2023 LendingTree report," Schulz remarked.
舒尔茨说:“根据2023年LendingTree的一份报告,在过去一年中要求降低信用卡利率的每四名持卡人中就有三人获得了一张信用卡利率。”
Image: Shutterstock
图片:Shutterstock
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在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
风险及免责提示
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
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