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Dear Cirrus Holder,<br>
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A report reveals that the number of credit cards in Central and Eastern Europe (CEE) more than tripled in the two year period up to the end of 2006. Credit card holders in CEE numbered 27 million in 2006. The total number of payment cards (including debit, charge and credit cards) has grown by 64% to 187 million in 2004-2006.
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According to the report, debit cards are the most widely held type of payment card in the region, representing 83% of all cards in issue against 52% in Western Europe. However, debit cards share of the market has decreased from 90% in 2004 to 83% by the end of 2006.
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Titled “Payment Cards Central and Eastern Europe 2008”, the report was published by research firm Retail Banking Research (RBR). The 13 surveyed countries are as follows: Bulgaria, Croatia, Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Romania, Russia, Slovakia, Slovenia and Ukraine. (epnn.network)
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<B>Interest rates are variable.</B> - Credit card rates are set by adding a spread, or margin, to a base rate.</LI>
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<B>Rates are higher than those for secured loans.</B> - Credit card rates are higher than those on home equity loans.</LI>
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<B>The stated rate is not your actual interest rate</B> - The advertised rate on a credit card is often the card's simple interest rate.</LI>
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<B>Go to Free Alerts</B> - Schedule alerts to be reminded of key account activity.</LI>
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You can also view past payments you have made online by logging on to www.hgfe.com and clicking "See payment history" under "I'd like to ..." .
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If you have any problems or questions, please call the Customer Service number on the back of your cirrus card. <BR>
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Thanks again for using Bill Manager PLUS
<br>
Cirrus Services
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