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90 Credit Essay Topic Ideas & Examples

🏆 Best Credit Topic Ideas & Essay Examples

  1. Credit Control and Charity Research of the RTE Organization
    First, the underlying principle behind the filing requirement for the RTE Charity is, identify the advantages and disadvantages of renting a room to offer education courses to the society and to build their own structure.
  2. Should College Students Have Credit Cards? Essay on Debts
    This paper aims to discuss the causes of credit card debts among students and the effects such debts may bring about to students’ lives.
  3. How CLO, CDO, and Credit Default Swaps Brought AIG to its End!
    In fact the investigation brought to light the fact that the losses were in excess of $20 billion in the first quarter of 2008.
  4. Why Credit Companies Target College Students?
    However, the use of credit cards and the debts that is a consequence of cards have become an increasingly monetary threat to students.
  5. Government and Credit Card Companies
    The rate is deemed to be high and many people have been asking the question, “should the government be allowed to regulate the interest rate charged by the credit companies on the defaulters?” This paper […]
  6. Taking Credit for Writing
    This will help to understand whether the protagonist of the novel is an anarchist or a terrorist. Verloc is not an anarchist, but he is not a terrorist either.
  7. Louise Mallard in “The Story of an Hour” by Kate Chopin
    Because of her delicate heart condition, her sister – Josephine- and her husband’s friend – Richard- both believe that they must break the news of her husband’s death in a very careful manner.
  8. Importance of Credit Scores
    The numbers make it possible to trace their credit history by making reference to their credit scores. The first method that you can use as college interns to improve your credit scores is to pay […]
  9. How to Improve Your Credit Score
    To all interns, it is crucial to raise your credit scores as required by the credit bureaus. This is a critical advice in the context of credit scores.
  10. Business Memo of the Credit Scores
    It is applicable in the mathematical computation of the credit score. It helps in the development of an efficient credit score.
  11. Housing Bubble’s Causes and Impacts on Credit Crisis
    The thesis of the paper was to investigate and demonstrate how the housing bubble led to the credit crisis of 2007 by exploring the rhetoric appeals and strategies that were used by the author when […]
  12. Budweiser: Using Art Objects in Commercial Purposes
    Finally, the statue of Venus de Milo is used in the commercial in order to make the consumers memorize it and the product, which it promotes.
  13. Credit and Debit Cards
    If you happen to lose your credit or debit card it is important to act swiftly and report the matter to your card issuer.
  14. Implications of Credit Crisis to Financial Risk Managers
    As such, the financial risk managers found themselves facing the challenge of survival in the face of the worst ever financial crunch in the history of world business.
  15. Credit Card System Processes
    This essay examines credit card processes nowadays and tries to predicate the future of the credit card system. The credit cards make transacting of business very convenient.
  16. Differences Between Debit Card and Credit Card
    The form of plastic cards available includes store cards, cash cards, debit cards and credit cards; all these cards are used in transactions, but they are different in the benefits to its users, and on […]
  17. Implications of the Credit Crunch on Recruitment and Selection, and Training and Development
    The procedure for determining the impacts of credit crunch on HR functions of selection and recruitment, and training and development, is therefore a review of existing literature on the impacts of credit crunch on selection, […]
  18. Memo for Raising Awareness on Credit Scores among Interns
    Credit scores are determined by a mathematical formula that is used to forecast the probability that an individual will default on a loan or extension of credit.
  19. Cause of Problems for Bear Stearns During the Credit Crisis
    However, in the second half of the 2007 financial year, the economic boom fell into a crash, which led to the global financial crisis.
  20. Organization Report: Riverbank Credit
    The strategies were to be aligned to the overall company’s strategy and the functional heads would be answerable to the top management-the CEO and the operations manager.
  21. Effects of credit crunch/ensuing recession on political economy decisions: Bulgaria and Greece
    There has never been agreement on what causes recession but those to blame in more than one time are the people in the positions of leadership and power and in this regard the president or […]
  22. Current Credit Crisis in the United States: Understanding the Trigger Factors
    Behind the current credit crisis lie many factors, including the free fall of the U.S.stocks, the obstinately high employment rate in the U.
  23. A Proposal for a Web-Enabled Hybrid Intelligent System Architecture in Support of Solving Credit Approval Problems in Banks
    By using a web-based system, the efficacy of the process will improve, reducing the process overheads and increasing the margin for the banks.
  24. The credit rating agencies are right to downgrade banks
    In practice, credit rating agencies have a challenge in terms of setting credit rating that best describe the credit quality of a certain issuer while taking into consideration the effect of these ratings on the […]
  25. Credit Letters in International Trade
    The precondition pegged on payment is based on the fact that the documents presented appear to be in compliance with the terms and conditions of the letter of credit.
  26. Product Launch at Credit Master
    This paper gives a brief background of Credit Master Company, looks at the procedure followed in designing a launch plan and gives the SWOT analysis as well as some of the marketing strategies that should […]
  27. American International Group, Inc. Minimizing Credit Risk
    The company understood the risks involved in extending credit to clients. One of the managers of the company, Paul Narayanan, saw the need for a solution to this issue in order to help reduce the […]
  28. Credit Default Swaps in the US and UK
    Credit Default Swaps are financial contracts that are similar to insurance policies where the insured parties are required to pay fees to the insurer, and in case of a credit event, the insured is subjected […]
  29. The Credit Card Fraud Cases in the Hospitality Industry
    You are happy and looks like everything is all right, but you do not realize that when the waiter took your credit card to charge you, he might have copied all your credit card information […]
  30. Credit Cards and Making Payments
    Studying the behaviour of the customers and capturing information related to the customers will help the companies determine who to give credit based on their behaviours and projected creditworthiness.

👍 Good Essay Topics on Credit

  1. Credit Cards Usage in America
    The issuer of the card also commits to pay merchants if the credit card holder extends to pay the credit and then follows up the cardholder to ensure that he/she pays the credit.
  2. Socioeconomic Impact of Micro-Credit Financing
    The current microfinance model originated from the action-research in the 70s to cope with the rehabilitation and relief needs of post-independence.
  3. Changing Consumer Attitudes towards Credit and Debit Cards
    The research provided important information that could be used by financial institutions and businesses to design debit and credit cards that meet the requirements of the two groups The debit and credit cards play a […]
  4. Credit Crunch’ Role for the Starbucks Company Activity
    The start of the recession that led to a credit crunch spelt doom for many businesses around the world, the shortage of funds to expand and improve business for business organizations and the shortage of […]
  5. Moody Corporation Credit Rating Process
    Many other institutions and participants of the financial system played a role in contributing to the failure of the financial system.
  6. Personal Financial Management: Credit Score
    A credit score is an intended tool that makes it easy for a lender to settle on the capability of a purchaser to reimburse a loan.
  7. Credit Card Companies’ Customer Profiling
    Analysis of the purchase data and construction of the behavioral profiles allows the credit card companies to foresee the cardholders posing elevated threats.
  8. Credit Cards: Supporting Arguments
    In order to reap the many benefits of credit cards and avoid the devastating implications of credit mismanagement, it is necessary for one to be ready to exercise some of the basic values such as […]
  9. Concept of the Extra Credit in Trade
    The introduction of money in trade was an innovative way to give a common value to products, and to use currency as a quantifier of the value of various commodities.
  10. Summit Credit Union’s Training Needs Assessment
    At the first stage of the assessment, it will be determined what the organization needs to achieve and whether new training programs can be beneficial for it.
  11. Executive Pay and the Credit Crisis of 2008
    Stock and equity options presented to the bankers, for example, guaranteed that if the market value of a company dramatically dropped, an identical outcome would be witnessed in the salary of senior management. The committees […]
  12. Credit Crisis as a Factor of Financial Market Liquidity
    The liquidity of financial markets is inseparable from developments in the economic environment, and the credit crisis is one of them.
  13. Citigroup: Credit Default Swaps in the Banking Industry
    The purpose of this case study is to analyze Citigroup’s approaches to minimizing or hedging credit risks with the focus on assessing the associated threats and possible advantages or disadvantages for other parties that participate […]
  14. BankUSA’s Credit Card Division Issues
    The level of complacency among some of the employees in the company is high. There is a significant mismatch between the internal and external service levels in the BankUSA credit card division.
  15. Credit Creation and Expansionary Monetary Policy
    The Central Bank has the authority to control the amount of money in flow and, thus, the amount of credit that the banks make.
  16. Banking: Interest Rates and Credit Creation Process
    The market rate of interest is the rate that is set through the mechanism of demand and supply. Moreover, the RBA has to set the official cash rate as a guideline.
  17. Carbon Credit and Amazon Carbon Project
    The project had the purpose of reducing GHG emissions from swine waste and improving sustainable development in the area. The project primarily concentrated on the reduction of GHG emission through the capturing and combustion of […]
  18. Credit Card Processing Industry Today and Tomorrow
    The complications that exist in the use of credit cards motivated innovations that led to the initiation of itinerant banking through smartphones.
  19. Credit Checks as a Staff Selection Method
    In this regard, it can be said that it is reliable only when it comes to the information concerning the person’s inability to pay his bills.
  20. Sovereign Credit Ratings Using Neural Networks
    Moreover, a sovereign rating is vital for the assessment of the credit risk of a nation and the companies within its borders.
  21. Accounts Receivable and Credit Evaluation
    Certain considerations should be identified before extending credit to a customer, including the evaluation of the worthiness of credit to the customer and the business, the identification of such factors as liquidity and the presence/absence […]
  22. Transport Pass Credit Card’s Marketing Plan
    This marketing plan will enable our company to utilize the resources that we have so that our transport pass credit card will successfully penetrate the targeted Australian market.
  23. Managerial Overconfidence and Credit Rating Agencies
    In the article “Behavioral CEOs: The Role of Managerial Overconfidence”, the authors argue that many Chief Executive Officers have continued to portray symptoms and signs of overconfidence whenever making their business decisions.
  24. Unemployment Rates and Credit Card Debts in the US
    The reduction of the unemployment rate is logical as changes have affected the labor market. Concerning debts on loans, too open system of bank lending to the population can be an additional factor causing this […]
  25. Credit Card Usage in the United States
    Credit card regulations do not allow as many protections for business credit cards as in the case of personal credit cards. The third disadvantage of business credit cards is their risk of employee misuse.
  26. Advantages and Disadvantages of Business Credit Cards
    Over and above using credit cards to pay for goods and services, the issuer may provide a line of credit to enable cardholders to get a cash advance. The most significant features in choosing a […]
  27. The Meaning and Importance of Credit Rating
    It also covers the factors that can cause a change in the credit rating of a company. Credit rating refers to the evaluation of the creditworthiness of a company.
  28. Definition of the Credit Ratings
    A credit rating signifies an assessment of the credit risk of a potential debtor, foretells the capacity to repay debts, and offers an inexplicit prediction of the possibility of defaulting.
  29. Credit Card Debt Accumulating
    Other aspects include lack of education or understanding about the intricacies of debt and the damage it could do if one is suddenly unable to make payments. Accumulating credit card debt is significantly easier than […]
  30. Credit Risk Quantifying and Managing
    Different seniority bonds are issued by the asset value, for example, ‘secured bonds’ are issued on the value of the land or building, and in case they are not paid, the bondholder can claim security […]

💡 Most Interesting Credit Topics to Write about

  1. Credit Card Effects on the American Society
    The following are some of the effects experienced in America as a result of the use of credit cards. 8 million bankruptcies in 2004 owing to the introduction of credit cards”.
  2. Collateralized Debt Obligation and Credit Derivative
    In order for the trading to commence, the capital structure of the market value CDO has to include a significant revolving credit facility to allow collateral managers to efficiently monitor the capital of the CDO […]
  3. Bristol-Meyers Squibb Company: Credit Rating Analysis
    In the case of analysis undertaken to assess the financial status of the company for dealing in corporate bond purposes, both the ratios calculated for judging the capacity of the company for interest payments and […]
  4. American Economics: Beliefs, Debt, Credit and Consumption
    The author of the article managed to highlight the aspect that the morality of Americans in terms of economical and financial position has changed with the centuries.
  5. Role of International Credit in Contemporary Economies
    Credit refers to the money that is borrowed from the financial institutions or from friends so as that the purchaser of the goods and services may obtain them and later on pay back all the […]
  6. The Credit Cards and the Kinds of Debt Being Incurred by Consumers These Days
    Many people are getting into credit card debt due to the dependability and the convenience the credit cards offer. However, the increase in the amount of debt and the equally increased use of credit cards […]
  7. Credit Card Attitudes: Cultural Analysis
    The writers note that the credit card companies are targeting the students and reaping the consumerist interests prevailing in the society today.
  8. Micro-Credit Analysis in Several Developing Countries
    There are several countries who make use of micro-credit in their homeland and are improving their economic conditions with the help of their people.
  9. Credit Crunch Impact Analysis
    This has heightened the fear of the people that the Credit Crunch Crisis and the associated slowdown in the housing market are going to have a serious impact on the labor market.
  10. Credit Crunch and the Federal Reserve System
    The article sheds lights on desperate defensive measures undertaken by the Fed to address the volatility in the bonds and credit market.
  11. Credit Crunch and Its Impact on Hospitality Industry
    This is what makes the Hospitality industry one of the most important key players in the strengthening of the tourism industry in any given country.
  12. Contribution of the Credit Crunch Towards a Downturn in UK House Prices
    The only challenge is that, the credit crunch in UK has its source in US as a result of the crisis in the housing markets.
  13. Credit Crunch in Global Economic and Financial Stagnation
    The implementation of the state regulated economy will inevitably damage the principles of freedom in business and result in the decrease of the performance efficiency of the small and medium sized businesses.
  14. Credit Crunch in the UK Financial Services Industry
    The focal point of the paper is to understand the impact of the credit crunch and its impact on the UK financial services industry.
  15. The Credit Crunch in UK Companies
    The main changes take place in the priorities and strategic goals of companies. The changes in missions and objectives show that stable position and survival are the main priorities of UK companies today.
  16. “Extra Credit” by Graham Allison and Philip Zelikow
    Therefore, the argument of the book and its major ideas are supported by the specific governmental materials, including the tapes of the governmental hearings of the issue, the correspondence of certain politicians including Kennedy, Khrushchev, […]
  17. The Economic Stimulus Package and How It Effects the Credit Crisis
    On the top of the list in priorities is the demand for organizations to distance themselves from the conductive method of the following direction to a more focused overall development of traditional business processes.
  18. Marketing. Credit Card Usage Profiles of Teachers
    The main objective of the study is to develop demographic, psychographic and credit card usage profiles of teachers for credit card issuing companies.
  19. Credit Cards Services: Key Aspects
    According to many lenders the borrower’s credit scores above 700 are considered as a good sign of financial health. In case his credit scores are below 570, the borrower may fail to qualify or be […]
  20. Credit Card Services Research
    The average fees generally depend on the processor, and the company, which is engaged in processing the third party credit card transactions, as well as on the total sales of the merchant. On the other […]
  21. Reasons Why Countries Give Credit for Taxes Paid on Foreign Source Income
    The objective of this paper is to describe foreign tax credit and explain the reasons why countries give a tax credit to non-citizens.
  22. Big Drive Auto Company and Credit in Business
    Due to these expected challenges in the global market, the company management should resolve to sustainable sources of finances and credit to the company.
  23. Credit Sponsorship of Sports Events in the US
    This same reason has increased competition among credit card companies as each seek a bigger share in sporting events in the hope of building brand image and equity.
  24. Credit Card: Buy Now and Pay More Later
    It means that not a customer, but the bank pays for the goods at the moment of purchasing, thus providing the customer with a loan, but later the customer has to pay the bill sent […]
  25. FICO Company Credit Scores
    Employees with high credit scores have high abilities to repay their loans; therefore, they have few loans and higher abilities to access other loans from banks.
  26. Fannie Mae, Freddie Mac, and the Credit Crunch
    This, therefore, led to the increased demand for mortgages leading to the need to allow more people to take out mortgages.
  27. Audit: DRP and BCP for SCU Credit Union
    The second is the procedure to be followed in case of a disaster strike and is mainly to continue business operations with minimum of disruption. It must be accessible to all of the individuals in […]
  28. Business and Corporate Laws: An Analysis of Canadian Credit Card Contract
    Thus the actual business relationship is between the cardholder and the issuing bank, the Card Association and the member issuing bank, between the issuer bank and the merchants/POS, etc.
  29. Downsides of Credit. Personal Finance
    The main downside of credit is that the use of credit decreases the financial stability of an individual. Monthly fee when the other different types of charged to credit cards does not total to a […]
  30. Banque Saudi Fransi vs. Credit Suisse: Comparison
    The customer deposit ratio of the BSF over the past four years exhibits continuous declining trend and in case of CS a mixed trend is evident.

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