73 Credit Essay Topics

🏆 Best Essay Topics on Credit

1. Credit Card or Cash: Which To Use?
2. China’s Social Credit System: Utilitarian Approach
3. Cash and Credit Cards: Comparative Analysis
4. Cash and Credit Cards, Their Pros and Cons
5. Credit Card Industry: Revenue and Cost Structures
6. Kay Jewelers Credit Card Application Terms and Conditions
7. Bank of Credit and Commerce International Case

✍️ Credit Essay Topics for College

1. Credit Cards: Benefits and Disadvantages

   One advantage of credit cards is that they help in building creditworthiness. However, credit cards can push a person into debt, if an individual has poor spending habits.
2. Business Communication: Refusing Credit

   The paper discusses the difference between refusing credit to a good moral risk with bad finances or in a poor economic environment and refusing credit to a bad moral risk.
3. Credit Quality in Banking Lending and Investment

   This paper analyses the credit quality problems of banking institutions’ lending and investment decisions over the last 30 years.
4. Extra Credit Project for Student’s Total Score in Class

   This paper determines whether students who do the extra credit project learn more and do better in the course in spite of their individual score on the extra credit project.
5. Credit Cards: Safe Method of Payment or Not

   Credit card enables you to buy something now and pay for it later. As a result, credit card can help you when you’re short of cash. Credit card can be a lot safer than carrying cash.
6. Bail for Credit: A Chance for Redemption

   The goal of bail for credit is to provide the defendants who are unable to pay their bail with an opportunity to be released from jail and attend their court hearings.
7. Credit Corp Inc.’s Information Technology Changes

   Credit Corp Inc. requires a change in the context of information technologies since the outdated infrastructure leads to losses and decreases customer satisfaction.
8. The Home Equity Line of Credit (HELOC)

   The home equity line of credit is a type of credit that is secured by a home and one is able to use it for anything.
9. Citigroup: Impact of the Credit Crunch

   This work analyzes the corporation Citigroup in terms of the impact of the Credit Crunch on the company, the cost of funds, and assistance to the firm from the government.
10. Qualified Candidates and Poor Credit Checks: The Ethical Theory of Utilitarianism

    This paper overviews how a manager can employ an ethical theory of utilitarianism to handle a situation and conflict of a qualified candidate with poor credit checks.
11. Credit History and House Purchase

    Credit histories help to understand why banks refuse people, insurance companies inflate policy rates, and global companies do not hire.
12. Systematic Risk, Debt Maturity, and the Term Structure of Credit Spreads

    Debt is a dangerous form of money that significantly affects overall credit history and adversely affects future financial standing.
13. The Risks Associated with Using Credit to Purchase an Automobile or a Major Appliance

    Credit occurs where the payment method is progressive or in installments with an agreed specified time between the seller and the buyer.
14. Credit Analysis of Financial Position

    Credit analysis scrutinizes historical financial data for companies and individuals seeking a loan from money lenders to verify the creditworthiness.
15. Bank of Credit and Commerce International’s Criminal Activity

    This case provides adequate information on how BCCI bank was involved in a global financial crime of laundering billions of dollars globally.
16. Investment: A Shift in the Financial Markets, Credit Derivatives

    Over the past few decades, the financial markets witnessed rampant product innovation. It is due to the increased demand for investment by both individual and institutional investors.
17. Credit Life and Credit Disability Insurance

    Credit insurance and credit disability insurance are services provided by several insurance companies. Credit life makes an effort to cover the remaining loan when one dies.
18. E-Commerce: The Using of Credit Cards

    Despite all its advantages, electronic commerce still bears the dangers of fraud and is characterized by insecurity both for the buyer and for the seller.
19. The Credit Channel of Monetary Policy

    There are a number of macroeconomic theories and models which focus on the role of interest rate and exchange rate channels on the impact of monetary policy actions on the real economy
20. Consumers Purchasing on Credit Analysis

    Consumer credit is used to purchase non-investment goods. A consumer opens a credit account and the issuer lends money to the client to be paid for goods.
21. American Credit: Exploring Its History and Predicting Its Future

    Credit in the contemporary American culture has become a vital part of our everyday life because it makes the management of people’s finances easier and more accessible.
22. Patterson v. McLean Credit Union Case

    In Patterson v. McLean Credit Union, Patterson, an African-American woman who worked for McLean, a small company with less than 15 employees, sued the employer claiming that he discriminated her.
23. Credit Cards with Radio-Frequency Identification

    EMV is a technology developed about RF cards: the card owner’s data, which is conventionally kept in the magnetic stripe, is securely encrypted.
24. Understanding Credit Card Debt: A Natural Phenomenon and Economic Implications

    The phenomenon of the credit card debt related to the US households was examined by Meier and Sprenger in “Present-biased preferences and credit card borrowing”.
25. Hybrid Intelligent Systems for Credit Approval in Banking: Innovations and Applications

    The paper discusses the credit rating approval problems that banks face and recomends the ways to solve them utilizing hybrid intelligent system tools and techniques.
26. Government Influence on Servus Credit Union: Nonmarket Forces

    The paper illustrates how Servus Union responds to the nonmarket environmental force and gives strategic plans and directions on how the organization can adjust.

🎓 Most Interesting Credit Research Titles

1. Land Registration, Credit, and Agricultural Investment in Africa
2. Group-Based Savings and Credit Programmes in Rural India
3. American Opportunity Tax Credit for Higher Education
4. Family Finances, Individualisation, Spending Patterns, and Access to Credit
5. Capital Inflows, Credit Growth, and Financial Systems
6. Ambiguity, Information Quality, and Credit Risk
7. Ead Calibration for Corporate Credit Lines
8. Bank Competition and Consumer Search Over Credit Card Interest Rates
9. Lending Standards, Credit Booms, and Monetary Policy
10. Challenges and Prospects for Setting up a European Union Shared System on Credit
11. Atlanta Fed Forms Credit and Risk Management Department
12. Capital Structure, Credit Risk, and Macroeconomic Conditions
13. Equipment Financing and the Five CS of Credit Evaluation
14. Economic Activity, Saving, Credit, and Income Polarisation in Poland
15. Airlines Credit Card: Pros and Cons
16. Actual Considerations Concerning the Individual Credit Risk
17. Bank Behavior With Access to Credit Risk Transfer Markets
18. Australian Credit Unions and the Demutualization Agenda
19. Apprenticeship Contracts, Small Enterprises, and Credit Markets in Ghana
20. Liquidity and Credit Risk in the Emerging Financial Markets

💡 Simple Credit Essay Ideas

1. Dynamic Relational Contracts With Credit Constraints
2. Capital Flows and Credit Expansions in Turkey
3. Asset Portfolios and Credit Rationing: Evidence From Kenya
4. Bank Capital Regulation and the New England Credit Crunch
5. Agricultural Credit and Economic Growth in Rural Areas
6. Bank Credit and Seasonal Anomalies in China’s Stock Markets
7. Agricultural Finance and Rural Credit in Poor Countries
8. Assessing the Economic Value of Credit Guarantees
9. Agency Costs, Credit Constraints, and Corporate Investment
10. Global Economic Integration, Business Expansion and Consumer Credit in Brazil, 1994-2010
11. Aggregate Fluctuations, Consumer Credit, and Bankruptcy
12. Bank Credit and Corporate Working Capital Management
13. Accurate, Authentic, and Rational Credit Rating for Myer
14. Analytical Framework for Credit Portfolios
15. Bank Credit’s Changing Role in Monetary Policy
16. Linkages Between Credit Spreads and Credit Ratings
17. Carbon Credit Payment Options for Agroforestry Projects in Africa
18. Efficient Hybrid Methods for Portfolio Credit Derivatives
19. Credit and Fiscal Multipliers in China
20. Assessing the Discriminatory Power of Credit Scores