Peter Rudegeair

speaker

756 appearances 12 recordings 1 series first heard Nov 2017 last heard May 2021

Peter Rudegeair’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Apple-Goldman Sachs Credit Card: A Study in Companionship · 26 Feb 2019 podcast

No, that's a very expensive route to go. voice-verified

You have folks like American Express and Citigroup and JPMorgan Chase, even some regional banks like U.S. voice-verified

Bancorp, all trying to one-up the other ones on rewards, usually for things like travel and points for hotel stays and stuff like that. voice-verified

That gets to be a pretty expensive arm race. voice-verified

And where Apple and Goldman are coming in is let's see if we can differentiate ourselves by focusing on something else. voice-verified

So there's somewhat of a focus on financial wellness and health, rewarding good spending patterns. voice-verified

But there's always some element of, you know, credit card companies want people to spend and some cases keep balances because that's how they make money. voice-verified

And their partners who might want to encourage good spending habits are sometimes working at cross ends. voice-verified

That's right. voice-verified

We've heard a lot from Apple executives about the desire to build their services business. voice-verified

Now we talked about Apple Pay. voice-verified

That's part of it. voice-verified

But they're also building a pretty big movie and TV production studio. voice-verified

We spend money on content. voice-verified

So as their device sales slow, they're looking at outside services to help offset some of that shortfall. voice-verified

And for sure, this credit card is part of that. voice-verified

My pleasure. voice-verified

WSJ Your Money Briefing · Consumers Shaking Off Rate Increases...For Now · 16 Oct 2018 podcast

Immediately, anytime the Federal Reserve raises interest rates, banks respond by rising what's known as the prime rate. matched

And the prime rate serves as a benchmark for all sorts of loans to consumers. matched

So your credit card interest rate that you pay actually is tied to the prime rate. matched

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