JC

John Cabell

Managing Director, Payments Intelligence at J.D. Power
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Senior executive leader experienced in strategic customer experience roles in the financial services industry. Multi-discipline management experience in finance, marketing, sales, operations, human resources, governance, and compliance. Special skills in strategic planning, complex international program leadership, customer experience management, and foreign language.

Employment
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  • Ditching the Penny: Impact on Small Businesses
    John notes that 91% of small businesses accepting card payments also accept cash. Removing pennies may lead to price rounding, potentially increasing consumer costs. "The cost burden is minimal," he says, but businesses might adjust cash operations and pricing, possibly reconsidering their payment methods. This change could prompt some businesses to eliminate cash payments entirely.
  • Strategies for Maintaining a High Credit Score Revealed
    John advises, "Paying bills on time, keeping credit utilization low, and resolving credit issues" are key. Regions like Alaska/Hawaii boast the highest scores, while South Central U.S. lags. Budgeting is crucial, with Alaska/Hawaii leading in income exceeding spending. These strategies are essential for maintaining a high credit score.
  • Maximize Credit Card Rewards for Your Child's Essentials
    John suggests using cards with rewards programs for children's essentials. "Redeeming rewards for essentials can be beneficial if timed well." Opening a new card for a sign-up bonus is viable but requires careful consideration. Shopping portals offer additional discounts, providing dual rewards to offset costs.
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  • Many Canadian credit card issuers are doing significantly better in terms of improving overall customer satisfaction compared to their U.S. counterparts. The lift in customer satisfaction amid the pandemic is the result of an effective industry response to customers’ changing needs and solid communication during these unprecedented times, coupled with customer savviness with card utilization.

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