Archive for 'Balance transfer'

Debit Card Use Rising: New Survey

Debit Card Use Rising: New Survey

Throughout the national economic crisis, many consumers have chosen to use debit instead of credit when paying for goods and services, as reported in Credit-Land.com 2009 research. Personal finance expert Carmen Wong Ulrich, author of “The Real Cost of Living,” said recently on “The Early Show” that these introductory rates are being offered strategically, in an attempt to coax Americans back into using their credit cards more frequently. “Then the rates jump, [to] anywhere from 14 to 20 percent, so it becomes incredibly costly,” cautions Wong Ulrich. “You have to know how to use these cards.”

“Our credit card usage has gone way down [since the economic downturn]. And our revolving balances have gone way down,” explained Wong Ulrich. Credit card companies would like to see this trend reverse, and are doing what they can to boost the appeal of credit cards. By transferring balances from high interest credit cards to low interest credit cards, consumers can save themselves a lot of money in interest charges, but only if they pay off the entirety of their outstanding balance before the teaser rate expires.

Roman Shteyn, a financial guru and CEO at Credit-Land.com, advises people to outline a payment plan that will enable them to settle their transferred balance within the time frame of the teaser rate and adjust their budgets accordingly.

“Some credit card companies are offering 0% interest on transferred balances for up to 21 months with no annual fee. That gives you nearly two years to pay off your balance and get out of debt. It’s an amazing opportunity to save money,” says Shteyn.

The consumer trend research team at Credit-Land.com determined the top four balance transfer credit cards favored by consumers.

They are: the Citibank Citi® Platinum Select® MasterCard®, offering a 0% APR on balance transfers for 21 months; Discover® Card’s Discover® More Card, which has an 18-month promotional 0% APR on balance transfers; the Platinum Prestige Credit Card by Capital One®, which has 0% APR on transferred balances until December 2012; and Chase’s Chase Freedom® Visa, which offers 0% APR on balance transfers for 12 months plus a $100 cash-back bonus.

If utilized correctly, a balance transfer credit card may seem an excellent tool for a financially struggling individual to pay down some of her personal debt. Denial of an application may become an inquiry mark on your credit history, which you may prevent by knowing your realistic credit potentials.

Contact Details:

Roman Shteyn
Credit-Land.com Inc.
2751 S Ocean Drive
Suite 1202 South
Hollywood, FL 33019
Phone: 1-888-281-1556
Email: press@credit-land.com
Website: http://www.credit-land.com/

Web Site: http://www.credit-land.com

New Cash Back Credit Card Program Released

New Cash Back Credit Card Program Released

New Cash Back Credit Card Program Released-Image via Wikipedia

In this tough economic climate where every penny counts, DailyMarkets.com’s cash back credit cards section helps consumers find the best cash back cards in the market that offer the most generous rewards

DailyMarkets.com, a financial website based in New York that helps people save smarter and invest smarter, has just launched a new section on Cash Back Credit Cards to help consumers find the credit cards that will reward them with the most cash back when they make purchases with their cards.

Cash back cards are credit cards that give cash rebates when certain purchases are made on the card, and in this weak economic climate, they are becoming increasingly popular as they help people save on everyday expenses, be it groceries or gas. Some credit cards offer rotating categories in which cardholders can earn up to 5% cash back every 3 months, and others offer a fixed cash back percentage that cardholders will earn on all their purchases or those made in certain spending categories, such as travel, gas, dining and more.

“By using a cash back credit card, you will save money automatically when you make your day-to-day purchases on your card, since you will earn cash rebates for each purchase you make and for every dollar you spend,” says Grace Cheng, founder and CEO of DailyMarkets.com. “Cash back credit cards will help you save and even earn money when you make your regular purchases without you having to increase your spending by a single dollar.”

Many cash back cards offer a signing bonus when new cardholders make their first purchase on their card. Some of these bonus cash back cards at DailyMarkets.com have a signing bonus of up to $300 cash back.

“In our Cash Back Credit Cards section, there is even an exclusive deal for readers of DailyMarkets.com that offers $300 bonus cash back as a signing bonus and gives you cash back for every single dollar you spend,” says Grace Cheng. “There is also an exclusive credit card offer that gives new sign-ups $100 bonus cash back, and a 0% introductory APR on purchases and balance transfers.”

DailyMarkets.com also has a section featuring rewards credit cards, which lists the best and most popular cards that offer generous rewards programs based on rewards points, cash rewards or airline miles.

In DailyMarkets.com’s Best Credit Cards section, consumers can quickly and easily find the latest credit card offers in the US, along with detailed reviews and star rating of each card. DailyMarkets.com also has a personalized credit card search tool that helps people find the credit cards that will benefit them the most, be it cards that offer the most credit card rewards or lowest interest rates according to their spending patterns.

About DailyMarkets.com

DailyMarkets.com is a New York-based personal finance and investing site founded in 2008 by Grace Cheng who was named as one of the ‘new kids in cyberspace’ by Financial Times in 2007. DailyMarkets.com has an exclusive personal finance section, with a special emphasis on educating US and Canadian consumers about credit cards and helping them find the best credit card for their needs. Consumers can browse through the huge selection of credit card offers such as cash back credit cards, balance transfer cards, rewards credit cards, business credit cards, airline miles credit cards, and more. Consumers can also check out the list of Best Credit Cards 2011. For more information, visit DailyMarkets.com.

CONTACT: Pedro Pla, +1-646-755-9754

Credit Card Rates Latest Update

Credit Card Rates Latest Update

Credit Card Rates Latest Update-Image by Getty Images via @daylife

Interest rates on new credit card offers stayed at record highs this week, according to the CreditCards.com Weekly Credit Card Rate Report.

The average is composed of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers and representing every card category. Introductory (teaser) rates are not included in the calculation.

Rates for card categories tracked by CreditCards.com are listed below:

Credit Card Averages

Avg. APR Last week 6 months ago
National Average 14.91% 14.91% 14.71%
Low Interest 10.73% 10.73% 11.98%
Balance Transfer 12.78% 12.78% 12.88%
Business 13.07% 13.07% 12.91%
Student 13.77% 13.77% 13.31%
Cash Back 14.16% 14.16% 12.48%
Airline 14.31% 14.31% 14.24%
Reward 14.51% 14.51% 14.35%
Instant Approval 15.99% 15.99% 15.99%
Bad Credit 24.96% 24.96% 24.95%
Source: CreditCards.com
Updated: 7-13-2011

We found no APR changes for any of the credit card offers we track, so the average annual percentage rate (APR) on new credit card offers remained at 14.91 percent for the second straight week. That’s the highest level since CreditCards.com began tracking APRs in 2007.

Though APRs were steady this week, they’ve risen sharply since April, thanks in part to rising reward card APRs. Since April, the average APR on a rewards card offer has jumped from 14.32 percent to 14.51 percent. According to CreditCards.com data, that’s nothing new. For the past three years, rewards card APRs have consistently surged in April and May, heading into summer vacation.  For example, it was 14.29 percent in April 2010 before climbing to 14.75 percent by June 2010.

The CreditCards.com credit card rate survey is conducted weekly, using offer data from the leading U.S. card issuers’ websites. Introductory offer periods and regular interest rates will vary with applicants’ credit quality and issuer risk-based pricing policies.

About CreditCards.com

CreditCards.com is the leading online credit card marketplace connecting consumers with multiple credit card issuers, including a majority of the 10 largest in the United States, based on credit card transaction volume. CreditCards.com, http://www.creditcards.com, enables consumers to search for, compare and apply for credit cards and offers credit card issuers an online channel to acquire qualified applicants.

http://www.creditcards.com

Credit Card Interest Rates Hit New Record

Credit Card Interest Rates Hit New Record

Credit Card Interest Rates Hit New Record-Image via Wikipedia

Interest rates on new credit card offers soared to record heights this week according to the CreditCards.com Weekly Credit Card Rate Report.

The average is composed of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers and representing every card category. Introductory (teaser) rates are not included in the calculation. Of the nine categories we track, two rose, while the other seven were unchanged.

Rates for card categories tracked by CreditCards.com are listed below:

Credit Card Averages
Avg. APR Last week 6 months ago
National Average 14.91% 14.75% 14.71%
Low Interest 10.73% 10.73% 11.91%
Balance Transfer 12.78% 12.78% 12.90%
Business 13.07% 13.07% 12.91%
Student 13.77% 13.77% 13.31%
Cash Back 14.16% 13.90% 12.48%
Airline 14.31% 14.31% 14.30%
Reward 14.51% 14.28% 14.35%
Instant Approval 15.99% 15.99% 15.99%
Bad Credit 24.96% 24.96% 24.95%
Updated: 7-6-2011

The average annual percentage rate (APR) on new credit card offers rose to 14.91 percent this week — the highest level since CreditCards.com began tracking APRs in 2007. The previous high was 14.85 percent, set in mid-May.

The move was spurred in part by the Chevron and Texaco Visa card, which saw its APR change to a flat rate of 23.99 percent from a range of 13.49 percent to 20.40 percent. Since only a card’s lowest available APR is used in our calculations, the move caused the national average to spike.

The CreditCards.com credit card rate survey is conducted weekly, using offer data from the leading U.S. card issuers’ websites. Introductory offer periods and regular interest rates will vary with applicants’ credit quality and issuer risk-based pricing policies.

About CreditCards.com

CreditCards.com is the leading online credit card marketplace connecting consumers with multiple credit card issuers, including a majority of the 10 largest in the United States, based on credit card transaction volume. CreditCards.com, http://www.creditcards.com, enables consumers to search for, compare and apply for credit cards and offers credit card issuers an online channel to acquire qualified applicants.
http://www.creditcards.com

Credit Card Rates: New Report

Credit Card Rates: New Report

Credit Card Rates: New Report-Image via Wikipedia

Interest rates on new credit card offers remained unchanged for the second straight week, according to the CreditCards.com Weekly Credit Card Rate Report.

The average is composed of 100 of the most popular credit cards in the country, including cards from dozens of leading U.S. issuers and representing every card category. Introductory (teaser) rates are not included in the calculation.

Rates for card categories tracked by CreditCards.com are listed below:

Credit Card Averages

Avg. APR Last week 6 months ago
National Average 14.83% 14.83% 14.63%
Low Interest 10.73% 10.73% 11.91%
Balance Transfer 12.76% 12.76% 12.73%
Business 13.07% 13.07% 12.91%
Student 13.77% 13.77% 13.96%
Cash Back 13.87% 13.87% 12.48%
Airline 14.24% 14.24% 14.24%
Reward 14.40% 14.40% 14.29%
Instant Approval 15.99% 15.99% 15.99%
Bad Credit 24.96% 24.96% 24.64%
Source: CreditCards.com
Updated: 6-8-2011

The national credit card annual percentage rate (APR) average stayed at 14.83 percent.  Throughout most of 2011, the weekly average has been flat, moving only 10 times in nearly six months. That’s a marked change from early 2010, when rates moved frequently in the wake of the then-newly enacted Credit CARD Act.

But some trends haven’t changed. The Federal Reserve’s G.19 consumer credit report, released Tuesday, showed that Americans’ credit card debt fell by more than $1 billion in April, continuing a three-year pattern. Consumer credit card debt increased on a month-to-month basis only twice since September 2008, and Americans have shed more than $183 billion in card debt during that time.

The CreditCards.com credit card rate survey is conducted weekly, using offer data from the leading U.S. card issuers’ websites. Introductory offer periods and regular interest rates will vary with applicants’ credit quality and issuer risk-based pricing policies.

About CreditCards.com

CreditCards.com is the leading online credit card marketplace connecting consumers with multiple credit card issuers, including a majority of the 10 largest in the United States, based on credit card transaction volume. CreditCards.com, http://www.creditcards.com, enables consumers to search for, compare and apply for credit cards and offers credit card issuers an online channel to acquire qualified applicants.

http://www.creditcards.com

Credit Card Rewards: Here’s the Best Deals

Credit Card Rewards

Credit Card Rewards-Image via Wikipedia

DailyMarkets.com, a leading consumer finance website that is based in New York, has released its guide to the best Credit Card Rewards for 2011.

“We often receive emails from US consumers seeking advice on finding the right rewards card for them,” says DailyMarkets.com founder and CEO, Grace Cheng. “As the economic climate improves in the US, credit card issuers have improved their deals and there is now a very wide selection of credit card rewards available to consumers.”

Rewards credit cards appeal to many people because they get rewarded simply for using their rewards card when they make ordinary purchases. Many credit cards also offer incentives like cash, air miles, free hotel nights, free air tickets or electronic products to get people to sign-up for the card.

DailyMarkets.com, with its access to a huge database of the latest credit card offers in the US, has compiled the best credit cards to suit different lifestyles and needs.

Here’s a list of the best credit card rewards sorted in different categories:

  • Cash back cards – While many cash back cards give a 1% cash back, DailyMarkets.com lists a few cards that offer 5% cash back in its Credit Card Rewards guide.
  • Travel rewards cards specific to certain airlines or hotels – DailyMarkets.com lists airline cards offering free round-trip air tickets as a signing incentive, and also hotel cards offering up to four free hotel nights for new sign-ups.
  • Non-specific travel rewards cards that let users earn reward points or miles whenever they spend on the card.
  • Rewards cards with long 0% balance transfers – For people who wish to have a rewards card with a long period of 0% introductory APR on balance transfers, DailyMarkets.com has found just the right card for that.
  • Business credit cards with rewards – Not only do business owners get rewards in return for their business spending, they also get useful tools which can help them manage their finances.
  • High-end rewards cards – DailyMarkets.com lists the world’s most exclusive credit cards for affluent consumers who have excellent credit.

To reap the full benefits of rewards credit cards, consumers should always pay off their card balance each month.

“If you have good to excellent credit, and can afford to pay off your balance in full every month, you should definitely get a rewards card to help you save even more money. Our Credit Card Rewards guide will show you which are the best rewards cards for different lifestyles, and when you click ‘Apply Now,’ we send you off to the official issuer’s website,” says Grace Cheng.

In its goal to become a number one source of information on credit cards, DailyMarkets.com also has a Credit Card Reviews section where consumers can read detailed reviews of any of the cards in the section, and also see how each card is rated.

About DailyMarkets.com

DailyMarkets.com is a consumer finance site founded in 2008 by Grace Cheng who was named as one of the ‘new kids in cyberspace’ by Financial Times in 2007. In addition to educating consumers about investing and trading, DailyMarkets.com is also dedicated to helping consumers understand more about credit cards and helping them find the best credit card for their needs. Its comprehensive credit card section is perfect for consumers to browse through the different categories of credit card offers. You can also check out DailyMarkets.com’s list of Best Credit Cards 2011. For more information, visit DailyMarkets.com.

CONTACT: Pedro Pla, +1-646-755-9754

Web Site: http://www.dailymarkets.com

Business Credit Card Abuse Continues

Business Credit Card Abuse Continues

Business Credit Card Abuse Continues-Image via Wikipedia

Pew Highlights Need to Extend Credit CARD Act Protections

The Credit CARD Act of 2009, signed into law two years ago, made consumer credit cards safer and more transparent. But, its rules did not apply to cards labeled for business or commercial use, placing millions of individuals and small business owners at risk. Practices the Federal Reserve deemed “unfair” or “deceptive,” such as hair trigger interest rates and unpredictable rate increases, remain widespread in business credit cards that are regularly offered to American households, according to a report by the Pew Health Group’s Safe Credit Cards Project.

As noted in the research, 40 years ago business credit cards were excluded from federal consumer protections because policy makers concluded that business owners were in the position to analyze risk. However, Pew found that between January 2006 and December 2010, American households received over 2.6 billion offers in the mail for these financial products. Whether the respondent to these solicitations is a large company, an owner of a small company, an employee or an individual, they are personally liable for all charges and are not protected by the key provisions in the Credit CARD Act.

“Every month more than 10 million business credit card offers are mailed to households at all income levels. The sheer number of offers that are sent to homes all across the nation represents a risk to millions of American families,” said Nick Bourke, director of Pew’s Safe Credit Cards Project. “To better protect individuals, families and small business owners we urge that the safeguards found in the Credit CARD Act be extended to any card on which the cardholder is personally liable.”

CLICK HERE FOR A VIDEO OF NICK BOURKE DISCUSSING BUSINESS CREDIT CARDS

The brief, “U.S. Households at Risk from Business Credit Cards ,” is the most recent in a series of Pew Safe Credit Cards Project reports that examine credit card disclosures from the nation’s 12 largest banks. For this report, Pew also looked at consumer-direct mail data from January 2006 through December 2010. Full details, including past reports, can be found at www.pewtrusts.org/creditcards.

Key findings show:

  • Eighty percent of business cards included an “any time” change in terms clause with no right to opt out, which means that bank issuers can change account terms at any time with little or no notice.
  • Eighty-four percent of business cards gave issuers the sole power to apply payments to low-rate balances first, which maximizes charges on higher-rate balances.
  • Sixty-seven percent of business cards included penalty rates for late payments or overlimit transactions. Issuers can apply a penalty interest rate immediately and without notice for any violation and that rate can last indefinitely on any balance. Under the Credit CARD Act, penalty interest rates may not be applied to existing balances on consumer credit cards, unless an account is seriously delinquent.
  • Penalty fees are virtually unrestricted and may not be reasonable and proportional to the violation. Seventy-three percent of business cards included a late fee (median amount $39), while 67 percent included an overlimit fee (median amount $39).

The brief also highlights issuers who have voluntarily applied portions of the Credit CARD Act to their business cards. Bank of America eliminated penalty interest rates, overlimit fees and late fees and both Bank of America and Capital One have adopted application of payments to be applied to the larger balance first.

“The practices of these banks show that additional consumer protections can be applied to all credit cards marketed to American households and that issuers can still receive fair compensation for the service provided,” said Bourke. “Now is the time for policy makers to ensure that the actions of these banks are not the exception, but rather the rule.”

The Pew Safe Credit Cards Project offers policy recommendations to make business cards safer and more transparent for consumers, including:

  • Expanding the consumer protections of the Credit CARD Act to any credit card product that requires an individual to be personally or jointly liable for account expenses, and at a minimum,
  • Requiring issuers to tell applicants whenever a credit card is not covered by the Credit CARD Act. Moreover, account disclosures should warn of additional risks not found in their consumer credit cards.

About the Pew Health Group

The Pew Health Group is the health and consumer-product safety arm of The Pew Charitable Trusts, a nonprofit organization that applies a rigorous, analytical approach to improve public policy, inform the public and stimulate civic life. www.pewtrusts.org/creditcards

CONTACT: Nicolle Grayson, +1-202-540-6347, ngrayson@pewtrusts.org

Web Site: http://www.pewtrusts.org

CUSO Representing Over 100 Credit Unions Announces New Private Student Loan Offering without Origination Fee

CU Student Lending, LLC, a credit union service organization (CUSO) that developed and manages the cuStudentLoans private student loan program, today announced the launch of its 2011 EdAccess Private Student Loan that features zero origination fees to the borrower.

The new loan product, which debuted officially on May 1st, will be available to all qualified student borrowers for the 2011-2012 academic year.  The CUSO’s decision to remove the origination fee comes at a time when student borrowers are faced with escalating tuition costs nationwide, creating a widening funding gap in order to finance their education.

“Providing credit union members and their families a private student loan product with zero origination fees, especially during a time with dramatic increases in tuition costs, is something that is extremely important to us,” said Tom O’Shea, Chairman of CU Student Lending, LLC.  “This is just another borrower benefit that makes the cuStudentLoans program, and in particular the EdAccess Private Student Loan, among the best in the industry for students seeking assistance in their education financing.”

The cuStudentLoans program, which currently serves more than 100 participating credit unions, uses common underwriting and pricing in its EdAccess Private Student Loan.

About CU Student Lending, LLC

CU Student Lending, LLC is a leading network of credit unions offering private student lending options to students and families nationwide.  Formed in 2010, CU Student Lending, LLC is comprised of over 100 progressive credit unions that built a member-responsive private student loan program using a common underwriting and pricing platform. The program, which consists of both the EdAccess Private Student Loan and EdSucceed Private Student Loan Consolidation, includes loan participations to enhance and mitigate risk.

Media Contact
Thomas J. O’Shea, Chairman
CU Student Lending, LLC
Thomas.oshea@aspirefcu.org
732-388-0477 ext 8117

Web Site: http://www.custudentloans.org

Credit Card Companies Continue with 0% Balance Transfers

Credit Card Companies Continue with 0% Balance Transfers-Image via Wikipedia

With the length of 0% balance transfer credit card offers dramatically increasing and balance transfer fees holding steady, April may signify a peak in the quality of balance transfer offers, says SmartBalanceTransfers.com in its new balance transfer credit card report for April 2011.

The average duration of 0% APR balance transfer credit cards surveyed jumped from 11.64 months to 12.17 months in April, the first time the average length of 0% offers has crossed the one-year mark since the credit crisis. Average balance transfer fees held steady at 3.47%.

Among the credit card companies offering 0% balance transfers, Discover continues to lead the pack with a 24-month 0% APR balance transfer offer scheduled to continue until the end of April. The next longest offer is available on the Citi Platinum Card which offers a 0% introductory period on both purchases and balance transfers that lasts 21 months. Although three months shorter than Discover’s promotion, the Citibank card carries a low 3% balance transfer fees as opposed to the 5% fee Discover is charging. On a $5,000 balance transfer, the lower balance transfer fee translates to $100 in savings.

Although average balance transfer fees have decreased by 12% since September of 2010, no major credit card companies are currently offering 0% APR no fee balance transfers. The Citi Dividend Card is offering consumers a 0% APR on purchases and balance transfers for 15 months as well as a $100 cash back signup bonus to new applicants who spend $500 within three months of signing up. This bonus can offset the 3% transaction fee on balance transfers of up to $3,300, making it a great option for consumers who will repay their debt in under 15 months.

Since September of 2010, the average duration of balance transfer offers has increased by 14%. These changes have been fueled by extremely low short-term rates and fierce competition for new card members. Should competition begin to wane, or the Federal Reserve indicate an end to its easy monetary policy, credit card companies will likely respond by decreasing the length of 0% APR offers, increasing balance transfer fees, or both.

For additional information, please visit www.SmartBalanceTransfers.com.

Read more: http://www.smartbalancetransfers.com/blog/2011/04/april-2011-0-apr-balance-transfer-credit-card-report-295/

About Smart Balance Transfers:

At SmartBalanceTransfers.com, consumers can learn about balance transfers and compare offers from a variety of leading credit card providers.

CONTACT: Jeff Weber, +1-203-569-7317, for SmartBalanceTransfers.com

Web Site: http://www.smartbalancetransfers.com

EverFi, Inc., the leading education technology platform, announced the launch of its Buttonwood™ Student Loan Management platform to directly tackle the trillion dollar crisis of student loans.   At a time when student loan debt has outpaced credit card debt for the first time, Buttonwood™ allows students to build the financial skills necessary to manage the growing debt they are borrowing to pay for higher education. Buttonwood™ will be in over 60 for-profit and non-profit higher education institutions this spring.

“Students and families are under immense financial pressure as they struggle to finance higher education,” said EverFi Chief Executive Officer Tom Davidson. “Through Buttonwood™, we directly empower students with concrete financial and student loan decision-making skills that lead to finishing school and gainful employment.”

“Our goal is that every student takes this course,” said Chief Operating Officer Jon Chapman and Buttonwood™ President. “The student wins, as does the institution focused on decreasing their cohort default rates. We preventatively help students manage their debt obligations that remain with them their entire lives.”

The Buttonwood™ Platform includes a compressed and sophisticated new media presentation of key financial literacy concepts, complemented by an interactive, highly customized gaming simulation that provides a different experience for each individual. Reflecting the diversity of the postsecondary student population, Buttonwood™ adapts to each user so that the educational content around loan management is most applicable to them. Current customers include both for-profit and non-profit institutions.

About EverFi, Inc.

EverFi is the leading education technology platform to teach, assess, and certify students in critical skills including Financial Literacy, Student Loan Management, Digital Literacy, Substance Abuse, and additional product areas to be announced in 2011. The company is already powering a national movement in 50 states that enables students to learn using the latest technology, including rich media, high-definition video, diagrams and avatars. EverFi’s current products include The EverFi Financial Literacy Platform™, Buttonwood™ Student Loan Management Platform, Ignition™ Digital Literacy Platform, and AlcoholEdu® for Colleges.

In March 2011, EverFi acquired Outside the Classroom whose products are used in over five-hundred college campuses, including the majority of the top 100 ranked schools in U.S. News & World Report. More than 3 million students to date have taken Outside the Classroom products, making it one of the largest online courses in the world.

In September 2010, EverFi raised $11 million from New Enterprise Associates, Allen and Company, Tomorrow Ventures, the investment vehicle for Google Chairman Eric Schmidt, and leading CEOs such as Michael Chasen, CEO of Blackboard.

Learn more at www.everfi.com

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