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Specific Examples: American Express Changes in RewardsAmerican Express Reward Changes• American Express informed its Hilton HHonors and Delta SkyMiles cardmembers thateffective January 2010 late payments will result in loss of rewards program points:1. Points lost can be reinstated within the following 24 billing periods once the amountpast due has been paid, with a fee of $29.2. Forfeited Miles will not be reinstated if there is any amount past due on the account.• The annual cap on Delta SkyMiles that can be earned is removed effective Feb 2010.American Express Delta SkyMiles ChangesCopyright © 2010 Lightspeed Research. Proprietary and Confidential. All rights reserved.28
Specific Examples: Citi Special Offers – Interest BackCiti Interest Back Special Offer• Citi has offered an interest back program that can earn certain qualified customers a portionof interest charges back each month provided they make their payments on time.• Mailings collected in late 2009 / early 2010 offered a noticeably high percentage of interestcharges back, ranging from 15% to 65% across different products:― Dividend Platinum Select: 15%― Citi Card: 15%, 30%, 60%― Diamond Preferred Card: 35%― PremierPass Elite: 65%• This program was announced in tandem with pricing and fee changes.Interest Back Program Offer: Citi CardCopyright © 2010 Lightspeed Research. Proprietary and Confidential. All rights reserved.29
Page 1: Credit Card Issuers' Responses toU.
Page 4: Credit CARD Act - Consumer Protecti
Page 7 and 8: Credit CARD Act - Consumer Protecti
Page 9 and 10: Credit CARD Act - Consumer Protecti
Page 11 and 12: Credit CARD Act - Enhanced Consumer
Page 13 and 14: Credit CARD Act - Protection of You
Page 15 and 16: About the Credit Card Terms Trackin
Page 17 and 18: Recent Highlights• In the weeks l
Page 19 and 20: Cardholders Receiving Changes in Te
Page 23 and 24: Comparison of Balance Transfer (and
Page 25 and 26: Specific Examples: Bank of America
Page 27: Specific Examples: Chase Changes in
Page 31 and 32: Specific Examples: New Easy-to-Unde
Page 33 and 34: New Card and Existing Account Offer
Page 35 and 36: Pricing / Duration Competitive Summ
Page 37 and 38: Promotional Rate Examples (Continue
Page 39 and 40: Debit Card OverdraftsCredit cards a
Page 41 and 42: Appendix Slides: Competitive Summar
Page 43 and 44: Appendix: Competitive Summary -- Pa
Page 45 and 46: Appendix: Competitive Summary -- Tr

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