21. MARKET WATCH; Credit Twist: Fun Is Back For Consumers – New Luring such a customer is known as “balance piracy,” noted Robert McKinley, president of RAM Research in Frederick, Md. Citibank now joins … 

22. How to Fight Back If Your Credit Card’s Rate Climbs ”You could be paying your credit card precisely on time and staying within your credit limit,” said Robert McKinley of RAM Research, a credit …

23.Prime Rate Cut to 5 1/2% By Morgan – Page 2 About 38 percent of credit cards issued by banks carry interest rates pegged to the prime, according to Robert McKinley, president of RAM … 

24. Credit Cards: Variable Rates Don’t Always Help Robert McKinley, the publisher of RAM Research’s Cardtrak, a newsletter, in Frederick, Md., warned, “There are a lot of gimmicks and games …

25.Favored Credit Card Holders Quietly Given Lower Rates – New York “Consumer awareness of credit cards is at an all-time high,” said Robert McKinley, president of RAM Research, a Frederick, Md., firm that … 

26. STRATEGIES; Making Sense of Cash-Back Card Plans – New York the discipline to pay it off,” said Robert McKinley, president of RAM Research in Frederick, Md. “If they’re careful, they’ll get a free lunch.” …

27. BANKING; Secured Credit Cards Are Attracting Savers – New York that the …it for savings ,” said Robert McKinley, the president of RAM Research, … 

28. Prime Is Cut By Chemical; Others Hold Robert McKinley, director of research at RAM Research, a Frederick, Md., concern that monitors the credit-card industry, noted that about one …

29. CONSUMER’S WORLD; Charge Cards That Pick Up the Pieces for the new year,” said Robert McKinley, the editor and publisher of Bankcard Update, an industry newsletter published by RAM Research … 

30. Raising the Stakes In a War of Plastic president of RAM Research to paying a cover charge to shop at an expensive convenience store, said Robert McKinley, in Frederick, Md 

31How to Fight Back If Your Credit Card’s Rate Climbs ”You could be paying your credit card precisely on time and staying within your credit limit,” said Robert McKinley of RAM Research, a credit …

32. BANKING; Lesson for Teen-Agers: Facts of Credit-Card Life – New …a disturbing increase in the number of college students struggling with card repayments, said Robert McKinley, president of RAM Research, …

33. Credit Lures College Students Down Path to Onerous Debt – New … College students teeter under a load of missed payments, high interest rates and default accounts, said Robert McKinley of RAM Research …

34. It Pays to Stick to Basics in Credit Cards “Pay yourself by saving money right away rather than later,” said Robert McKinley, president of RAM Research in Frederick, Md., which …

35. Pay Bills Early? Now It Can Pay Robert McKinley, president of RAM Research, a credit card research company in Frederick, Md., says it’s easy to see why companies don’t want …

36. MARKET WATCH; Credit Twist: Fun Is Back For Consumers – New … Luring such a customer is known as “balance piracy,” noted Robert McKinley, president of RAM Research in Frederick, Md. Citibank now joins …

37. President of AT&T Credit-Card Unit Quits a credit-card issuer to make money by charging them interest and assessing fees, said Robert McKinley, president of  RAM Research Group.

38. SPENDING IT;When Credit Card Fees Follow You Across State Lines point about the Supreme Court ruling is what it means for card holders over the long term,” said Robert McKinley, president of RAM Research, …

39. INVESTING; Credit Card Goodies, With Lower Interest – New York …“This is a way for someone to have their cake and eat it too,” said Robert McKinley, president of RAM Research, a Frederick, Md., newsletter … 

40. SPENDING IT;American Express May Offer a Tax-Service Discount “Mating the tax benefit with the credit card is a good match for them,” said Robert McKinley, president of RAM Research, a credit-card tracking …

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