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Daniel Ray quote: "Credit card companies are increasingly addicted to their fees. Six years ago, all fees - including late fees - contributed only a minor portion to overall revenue. Today it accounts for more than 30 percent."

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Credit card companies are increasingly addicted to their fees. Six years ago, all fees - including late fees - contributed only a minor portion to overall revenue. Today it accounts for more than 30 percent.


Daniel Ray


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our credit card fees are up to 10 cents per gallon.
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A year ago, average management fees were falling, but this turned around in 2005 with average manage...
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The entitlement for more than 100 years has been rock-bottom grazing fees,
BRUCE BABBITT
Impact fees are not designed to recoup 100 percent.
CELESTE LACHENMYER
At least, nine out 10 people skip fees by paying their accounts on time.
DONALD OGILVIE
New York has cut fees more than other districts. Not that fees are lower in New York, but they cut t...
LYNN LOPUCKI
The filing fees are becoming an issue for bottom-end (small) companies.
BRUCE SHEPPARD
This advertising revenue will help merchants offset processing fees.
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States and consumer advocates think that gift card fees, such as deductions every month if you don't...
ED MIERZWINSKI
It's not an uncommon fee. There are some fees that the university has the authority to impose unilat...
EDWARD JACKSON
As a small business owner, I've had to find ways to keep costs as low as possible while still pr...
JOHN RAMPTON
The ISP business by itself is hard to sustain, ... Only AOL is highly profitable. The days of the tr...
ADAM SCHOENFELD
The ISP business by itself is hard to sustain. Only AOL is highly profitable. The days of the tradit...
ADAM SCHOENFELD
All of the money generated from sales tax, business licenses fees and property taxes on the island i...
CRAIG WHITTOM
Because the fees associated with a reverse mortgage are high, such loans make sense only for borrowe...
CHARLES DUHIGG
The ISP market has been consolidating for a long time, ... Unless you have tremendous scale with gre...
ADAM SCHOENFELD
Tuition fees are the biggest change British universities have had in years. Before they were importe...
CHRIS MADDEN
It's outrageous, ... highway robbery. ... Who can pay on a $200,000 house 15 percent for fees?
JAMES MASON
Since the fees haven't been raised in so many years, it's hard to argue. No one likes having fees ra...
VINCENT MORRIS
Tuition fees are the biggest change British universities have had in years,
CHRIS MADDEN
It's clear that investors are dissatisfied with the fees they pay – and those who aren't should be...
SANDY WILSON
I've averaged about 19 percent a year, including fees and costs. That's not bad. Every 3.7 years the...
JOE MCLAUGHLIN
Many of the mortgages with high fees fall into categories of semi-commercial such as buy-to-let, or ...
PAUL WILLIAMS
User fees are costly and require a large bureaucracy to administer and are an administrative burden ...
ED BOLEN
I think fees are going away.
BRIAN BLACK
Experience is the best of schoolmasters, only the school-fees are heavy.
THOMAS CARLYLE
People are not going out golfing, so they're not paying their green fees, which is where the facilit...
STEVE SCHROEDER
I'd spend more money on gas to drive (to Wal-Mart) than I would save (in fees).
CHRISTINA POWERS
The credit card interchange system serves as a hidden tax, both on merchants and consumers, and rais...
HANK ARMOUR
Impact fees are usually assessed for new homes that come up, to cover the impacts of added utility a...
ROBERT ANDERSON
Not only do the companies avoid costly legal fees going forward, but each gains access to new techno...
FRANK MITSCH
Last year, Congress passed a law that directs the Federal Reserve to set limits on debit card swipe ...
PETER WELCH
It has been free all these years and this change would affect the cable subscriber who will be payin...
EDWARD WALSON
Investment banking fees are geared towards success.
JOHN WILLIAMS
The problem is that the costs are accelerating faster than our fees are accelerating.
DENNIS DIX
To spend part of the revenue from land use fees on agriculture is a practical way to increase invest...
HAN JUN
Swipe fees have increased steadily since the introduction of debit cards 20 years ago, when there we...
PETER WELCH
When you figure everything up, including the cart fees at the courses, it comes out to about $21 a r...
KEVIN UDELL
The real profit in the credit card business is the revolving balances, ... Commerce has calibrated w...
GERARD CASSIDY
For the first time a major sports property has largely migrated from network to cable, where the dua...
DICK EBERSOL
We are pretty much a nation of procrastinators. We do expect more people to file extensions this yea...
JESSE WELLER
For those who are moving into developments that haven't paid full fees, there's no assurance that we...
MARSHALL KRUPP
Fees will stay the same for garbage collection,
CHARLES FARMER
When times are busy, fees tend to trend up in Asia.
KALPANA DESAI
Experience is a good school, but the fees are high.
HEINRICH HEINE
Experience is a good school. But the fees are high.
HEINRICH HEINE
We were able to collect the fees necessary to cover the facility and other operational costs through...
DARREN LIBONATI
I presented a gift card and was (later) informed it had been significantly reduced due to different ...
DAVID PARKS
All accommodation, transportation, insurance and registration fees are being sponsored by Move One.
CAMILLA ZALKA
For merchants, it is an amazing opportunity. Compared to Paypal, crypto has no credit card fees, no ...
GIL PENCHINA
There are thousands of different card products, some are offered with low interest rates, some are o...
KEVIN ARQUIT
Restocking fees are more prevalent in consumer electronics because the merchandise tends to become o...
EDWARD FOX
We are planning on assisting with those legal fees.
EVAN JACOBS
This doesn't give you a free pass on construction fees. Even if you hook up to the system later, the...
JIM MURPHY
Our assets are down, so fees are almost status quo.
GORDON FORRESTER
The union walks away in the sense they don't have the legal fees, but the small employer faces large...
ANITA DRUMMOND
One of the questions the Commission is looking into is the fees that the banks must pay each other f...
AMELIA TORRES
A normal show would cost somebody to have a professional handler, about $75 a show. At Westminster, ...
DONALD ADAMS
A normal show would cost somebody to have a professional handler, about $75 a show. At Westminster, ...
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these fabulous artists command fantastic fees.
THE ROLLING STONES
Handling fees, obviously, travel, grooming supplies.
BARBARA CAWLEY
The attorneys' fees have been astronomical.
MICHAEL TOWNSEND
It costs us more to provide transportation than what we get back, ... (But the increase in fees) wil...
DON PHILLIPS
Whoever said "Marriage is a 50-50 proposition" laid the foundation for more divorce fees than any ot...
AUSTIN ELLIOT
I don't know whether we're going to pull it all from sales taxes, impact fees or a combination.
JASON HARPER
Over time, it's become obvious these fees are causing harm to LIHEAP recipients.
ED HURLEY
Over time, it's become obvious these fees are causing harm to LIHEAP recipients,
E. HURLEY
accomplished what we did this quarter in large part because of our no-late-fees program, not in spit...
JOHN ANTIOCO
I think we only had one of those, years ago, and we haven't contemplated it at all, since. Actually,...
BOB HARPER
Those fees, those taxes, those licenses -- for a small business owner I think it's a burden to put o...
KARYN MILLER
Obamacare comes to more than two thousand pages of rules, mandates, taxes, fees, and fines that have...
PAUL RYAN
I find it absolutely astounding, given the fact that over the last six years our airport has run at ...
ANGELA HUNT
I can easily handle the legal fees.
ADAM FISHER
We are selling as much art as we are taking entry fees.
CINDY FUNKHOUSER
Fifty-four percent more companies are looking at this region today than 14 months ago,
BOB COOK
Even more amazing than modern technology is our opportunity to access information directly from Heav...
RUSSELL M. NELSON
Earlier, I used to charge territories instead of my fees as an actor, but I realised it was better t...
AJAY DEVGAN
The name of the game for Macquarie is funds under management and the fees they make on running these...
MARCUS PADLEY
Dividing the fees into 12 payments is something that will be more fair to the businesses.
SANDY JOHNSTON
Better performance fees than we were expecting have driven the earnings number sharply higher.
GEOFF MILLER
Undergraduate fees have increased to $8000 for each year of an undergraduate law course,
ELIZABETH LOFTUS
Even with raising fees, we don't come close to paying for our ferry service.
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There's really two parts to this. We're asking for a quick judgment to cover the legal fees and then...
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God heals, and the doctor takes the fees.
ERMA BOMBECK
God heals, and the Doctor takes the Fees
BENJAMIN FRANKLIN
God heals, and the doctor takes the fees.
BENJAMIN FRANKLIN
We are pretty tough on fees. We are not going to pay a firm more because they have some overhead wit...
BRAD PACHECO
We haven't raised membership fees in two years. Yes, there will be higher rates in 2007 than 2004, b...
CHRIS MASONER
Hopefully, this system will eliminate the need for some people to keep a large amount of cash on the...
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Since you became governor, more than $217 million generated from user fees for transportation have b...
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DAN MURPHY
It is unlikely we will receive substantial performance fees this half.
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As you are aware, Mr. Haney has threatened to sue the township over impact fees.
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It has never been my object to record my dreams, just the determination to realize them.
MAN RAY
And now, these books. This. He touched PHYSIOGNOMONIE. The secrets of the individual's character as ...
RAY BRADBURY
There are no better cosmetics than a severe temperance and purity, modesty and humility, a gracious ...
JOHN RAY
Every morning I jump out of bed and step on a landmine. The landmine is me. After the explosion, I s...
RAY BRADBURY
I love writing, it's the center of my life. If you don't love what you do, you'd better find somethi...
RAY BRADBURY
My stories run up and bite me in the leg -- I respond by writing them down - everything that goes on...
RAY BRADBURY
Richard Bach with this book does two things. He gives me Flight. He makes me Young. For both I am de...
RAY BRADBURY
In business for yourself, not by yourself.
RAY KROC
If we listened to our intellect, we'd never have a love affair. We'd never have a friendship. We'd n...
RAY BRADBURY
An original is a creation motivated by desire. Any reproduction of an originals motivated be necessi...
MAN RAY
Creativity is a highfalutin word for the work I have to do between now and Tuesday.
RAY KROC
Concentration is the ability to think about absolutely nothing when it is absolutely necessary.
RAY KNIGHT
I want to be what I was when I wanted to be what I am now.
RAY PRINCE
Are you green and growing or ripe and rotting?
RAY KROC
If I play my best, I can win anywhere in the world against anybody.
RAY FLOYD
One of the satisfactions of a genius is his will-power and obstinacy.
MAN RAY
First you jump off the cliff and you build wings on the way down.
RAY BRADBURY
Kindness is tenderness. Kindness is love, but perhaps greater than love. Kindness is good will. Kind...
RANDOLPH RAY
There's nothing written in the Bible, Old or New testament, that says, If you believe in Me, you ain...
RAY CHARLES
Science fiction is the most important literature in the history of the world, because it's the histo...
RAY BRADBURY
It is good to renew one's wonder, said the philosopher.
Space travel has again made children of u...
RAY BRADBURY
Living at risk is jumping off the cliff and building your wings on the way down
RAY BRADBURY
Its easy to have principles when you're rich. The important thing is to have principles when you're ...
RAY KROC
I know you've heard it a thousand times before. But it's true -- hard work pays off. If you want to ...
RAY BRADBURY
The television, that insidious beast, that Medusa which freezes a billion people to stone every nigh...
RAY BRADBURY
When I was a young man, I didn't think about having a family. My wife and I were too poor to have ba...
RAY BRADBURY
A good night's sleep, or a ten-minute brawl, or a pint of chocolate ice cream, or all three together...
RAY BRADBURY
You've got to love libraries. You've got to love books. You've got to love poetry. You've got to lov...
RAY BRADBURY
Hell is paved with good intentions.
JOHN RAY
If we listened to our intellect, we'd never have a love affair. We'd never have a friendship. We'd n...
RAY BRADBURY
We are the miracle of force and matter making itself over into imagination and will. Incredible. The...
RAY BRADBURY
I don't try to describe the future. I try to prevent it.
RAY BRADBURY
We're all fools...all the time. It's just we're a different kind each day. We think, I'm not a fool ...
RAY BRADBURY
Everyone must leave something behind when he dies, my grandfather said. A child or a book or a paint...
RAY BRADBURY
Facts quite often, I fear to confess, like lawyers, put me to sleep at noon. Not theories, however. ...
RAY BRADBURY
The point is obvious. There is more than one way to burn a book. And the world is full of people r...
RAY BRADBURY
Stuff your eyes with wonder . . . live as if you'd drop dead in ten seconds. See the world. It's mor...
RAY BRADBURY
If you're not a risk taker, you should get the hell out of business.
RAY KROC
We are all cups, constantly and quietly being filled. The trick is, knowing how to tip ourselves ove...
RAY BRADBURY
Many without punishment, none without sin.
JOHN RAY
So few want to be rebels anymore. And out of those few, most, like myself, scare easily.
RAY BRADBURY
Adversity makes a man wise, not rich ...
JOHN RAY
I did it to myself. It wasn't society... it wasn't a pusher, it wasn't being blind or being black or...
RAY CHARLES
In a great romance, each person plays a part the other really likes.
RAY BANDY
If you want to conquer the anxiety of life, live in the moment, live in the breath.
AMIT RAY
Learning to let go should be learned before learning to get. Life should be touched, not strangled. ...
RAY BRADBURY
You learn something every day if you pay attention.
RAY LEBLOND
Oh God, the terrible tyranny of the majority. We all have our harps to play. And it's up to you to k...
RAY BRADBURY
Leadership is not just some empty formulas but establishing deep connection at soul levels through s...
AMIT RAY
There is no teacher equal to mother and there's nothing more contagious than the dignity of a father...
AMIT RAY
There are too many of us, he thought. There are billions of us and that's too many. Nobody knows any...
RAY BRADBURY
I was among the people in the Superdome. I knew what was going on every minute. I did not have air c...
RAY NAGIN
I feel that the thing that probably aided me the most in that scene with the dog was the utilization...
RAY WALSTON
Affluence separates people. Poverty knits 'em together. You got some sugar and I don't; I bo...
RAY CHARLES
Music is powerful. As people listen to it, they can be affected. They respond.
RAY CHARLES
If we listened to our intellect, we'd never have a love affair. We'd never have a friendship...
RAY BRADBURY
Ideas excite me, and as soon as I get excited, the adrenaline gets going and the next thing I know I...
RAY BRADBURY
I never thought I would get to have my own action figure.
RAY STEVENSON
At acting school people didn't speak like me. It was all received pronunciation - 'ow now br...
RAY WINSTONE
If my father had hugged me even once, I'd be an accountant right now.
RAY ROMANO
We have too many cellphones. We've got too many internets. We have got to get rid of those machi...
RAY BRADBURY
The answer I found is you stay away from the people who make fun of you, and you join these ad hoc g...
RAY BRADBURY
I still feel like an immature idiot inside, but I look in the mirror and - as a friend of mine once ...
RAY ROMANO

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