By CANDICE CHOI

Americans prefer using their debit cards at the register. But a small fee could change that.

A new Associated Press-GfK poll finds that about two-thirds of consumers use debit cards more frequently than credit cards. But when debit card holders were asked how they would react if they were charged a $3 monthly fee for their debit card, 61 percent say they’d find another way to pay.

If the fee was $5, 66 percent would do the same. If the fee was $7, the figure rises to 81 percent.

The findings come at a time when consumers are seeing unwelcome changes to their debit cards and the checking accounts to which they’re linked. Although banks haven’t started imposing monthly fees for debit cards, there are signs higher costs could be on the way.

Starting in October, a new cap will sharply limit the revenue banks can collect from merchants whenever customers swipe their debit cards. That revenue has been a critical income source for banks; merchants paid issuers $19.7 billion for debit transactions in 2009, according to the Nilson Report, which tracks the payments industry.

Consumers are already seeing the fallout. Chase, PNC Bank and Wells Fargo ended or scaled back their debit rewards programs citing the new regulation. The availability of free checking accounts also declined last year for the first time since 2003.

And more changes could be in store.

Chase, for example, is testing a $3 monthly fee for debit cards on new accounts in northern Wisconsin. In Atlanta, it’s testing a $15 monthly fee on basic checking accounts.

Among the AP-GfK poll respondents who say they would leave their debit cards in their wallets in the face of such fees, more say they’d pay with cash, 53 percent, or check, 42 percent, rather than another form of plastic.

“Cash or checks — they’re not very expensive,” said Aaron Alto, a 44-year-old resident of Grand Rapids, Minn. Alto says he’d be annoyed enough to look for an alternative to his debit card if the fees approached $10.

Debit card fees would cause 22 percent to switch to credit cards, and 12 percent say they would switch to a prepaid spending card.

For now, the notable preference for debit could be linked to a negative sentiment about credit cards; nearly half of respondents to the AP-GfK poll say the interest rates they’re charged are unfair.

That may be because 30 percent had their interest rates hiked in the past two years. That’s more than twice the number who say their rates were lowered.

Forty-two percent of respondents also say the fees and penalties on their cards are unfair; 37 percent say card issuers recently raised those potential charges.

The higher rates and fees may have surprised consumers in light of the new regulations that were intended to protect cardholders and put an end to questionable billing practices.

Under the rules that went into effect last February, cardholders are now entitled to 45 days notice before their rates are hiked. Card issuers are also prohibited from raising rates on existing balances, a once-common practice that consumer advocates had long decried.

Additionally, the one-time penalty fees for late payments are capped at $25 per violation. But there’s no limit on how high banks can hike interest rates on purchases or the default interest rates that kick in when customers are late on payments.

Earl Law, a 61-year-old resident of Buffalo, N.Y., said the penalty rate on a few of his cards is 30 percent.

“It’s absurd. It’s usurious,” he said. “If you’re struggling with debt, that’s the last thing you need. You’re asking people to fail.”

Despite the widespread discontent with interest rates, the regulations are having a clear, positive impact in one area: monthly statements. Nearly half of respondents say they’re now easier to understand.

Part of the reason is that the new law requires credit card issuers to spell out the cost of carrying a balance. For example, statements now include a chart that shows how long it would take to pay off a balance if only minimum payments were made. The chart also includes the total amount the cardholder would pay over that time, including interest charges.

The increased transparency might be one reason why the majority of consumers — 78 percent — say they plan to stick with their cards, despite their grumblings about high rates and fees.

It could also be that consumers have grown numb to unpleasant changes. In the months leading up to the passage of the new regulations, many cardholders saw their interest rates hiked, credit limits slashed and inactive accounts shut down.

The poll was conducted June 16-20 by GfK Roper Public Affairs and Corporate Communications. It involved landline and cell phone interviews with 1,001 adults nationwide, including 715 who have credit cards and 706 debit card holders. Results from the full sample have a margin of sampling error of plus or minus 4.1 percentage points; it is 4.8 points for those with credit or debit cards.

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Associated Press Polling Director Trevor Tompson, Deputy Polling Director Jennifer Agiesta and AP News Survey Specialist Dennis Junius contributed to this report.

Online:

Poll results: http://www.ap-gfkpoll.com

 

 

How the poll was conducted

By The Associated Press

The Associated Press-GfK Poll on changes to credit card laws was conducted by GfK Roper Public Affairs & Corporate Communications from June 16-20. It is based on landline and cellphone interviews with a nationally representative random sample of 1,001 adults. Interviews were conducted with 700 respondents on landline telephones and 301 on cellphones. The sample included 715 credit card holders and 706 debit card holders.

Digits in the phone numbers dialed were generated randomly to reach households with unlisted and listed landline and cellphone numbers.

Interviews were conducted in both English and Spanish.

As is done routinely in surveys, results were weighted, or adjusted, to ensure that responses accurately reflect the population’s makeup by factors such as age, sex, education and race. In addition, the weighting took into account patterns of phone use — landline only, cell only and both types — by region.

No more than one time in 20 should chance variations in the sample cause the results to vary by more than plus or minus 4.1 percentage points from the answers that would be obtained if all adults in the U.S. were polled. For results among credit card holders and debit card holders, the margin of sampling error is plus or minus 4.8 percentage points.

There are other sources of potential error in polls, including the wording and order of questions.

The questions and results are available at http://www.ap-gfkpoll.com .

 


AP-GfK Poll: Most believe allegations about Trump and women
WASHINGTON (AP) — Donald Trump’s behavior has long grated on Carolyn Miller, but the allegations he sexually assaulted women was one factor that helped her decide in the last week to cast her ballot for Hillary Clinton.
“I don’t think she’s a bad person. Trump, I think, is a bad person,” the 70-year-old Fort Myers, Florida, resident said. As for Trump’s accusers, Miller added, “I believe them.” And she said her vote for Clinton is “a default.”

Miller is among the more than 7 in 10 Americans who say in a new Associated Press-GfK poll that they believe the women who say the Republican presidential candidate kissed or groped them without their consent, a verdict that may have turned off enough voters, including some Republicans, to add to his challenges in the presidential race.

 Forty-two percent of Republican voters and 35 percent of Trump’s own supporters think the accusations are probably true. Men and women are about equally likely to think so.

While the poll suggests the wave of allegations about Trump’s treatment of women may blunt the impact of voters’ concerns about Clinton, it was taken before Friday’s news that the FBI will investigate whether there is classified information in newly uncovered emails related to its probe of her private server. Those emails were not from her server, according to a U.S. official who was not authorized to discuss details publicly and spoke on condition of anonymity.

Before the development, the poll found that about half of voters say her use of the private server while she was secretary of state makes them less likely to vote for her. But they were more likely to say that Trump’s comments about women bother them a lot than to say the same about Clinton’s email server, 51 percent to 43 percent.

Since September, Clinton seems to have consolidated her support within her own party and drawn undecided voters such as Miller to her campaign, or at least pushed them away from Trump. The billionaire’s recent trouble with women seems to be one factor preventing him from doing the same.

He feuded with former Miss Universe Alicia Machado after Clinton noted he’d called her “Miss Piggy” for gaining weight while she wore the crown. Days later, a 2005 recording surfaced in which Trump can be heard describing himself sexually assaulting women in a conversation with Billy Bush, then the host of “Access Hollywood.”

Several women have since publicly accused Trump of groping and kissing them without permission, including a People magazine reporter who said Trump attacked her when his wife, Melania, was out of the room.

Trump called his remarks on the video “locker room talk,” dismissed the accusations as “fiction” and said of several accusers that they aren’t attractive enough to merit his attention.

Asked Thursday on Fox News Channel’s “The O’Reilly Factor” whether he thinks he would be ahead were it not for the “Access Hollywood” video, Trump replied, “I just don’t know. I think it was very negative.”

A majority of voters, 52 percent, say allegations about the way Trump treats women make them less likely to vote for him, including a fifth of Republican likely voters. And within that group, only about a third say they will vote for him, with about a third supporting Clinton and the remainder supporting third party candidates.

That may help explain why just 79 percent of Republican in the poll said they’re supporting Trump compared with 90 percent of Democrats supporting Clinton. Trump needs to close that gap to have any shot at victory.

Trump has tried to equate the accusations against him with charges of infidelity and sexual assault leveled for years against his rival’s husband, former President Bill Clinton. Trump has paraded the former president’s accusers before the cameras and accused Hillary Clinton of undermining her husband’s accusers.

The poll shows a majority of voters don’t buy Trump’s attempt at equivalence. Six in 10 say the allegations against the Clintons have no impact on their vote. That’s despite the fact that 63 percent think Hillary Clinton has probably threatened or undermined women who have accused her husband of sexual misconduct.

“The vote will be about Hillary Clinton, not her husband,” said Ryan Otteson, 33, of Salt Lake City, who’s voting for a third-party candidate, conservative independent Evan McMullin.

Valori Waggoner, a 26-year-old from Belton, Texas, said she believes Hillary Clinton probably did intimidate her husband’s accusers, but she said it makes no difference to how Waggoner is voting.

Waggoner was not going to vote for Clinton anyway, because as a doctor, Waggoner said she sees firsthand the inefficiency of the national health care plan that Clinton supports. But the alleged wrongdoing by Trump made her less likely to vote for the Republican. Instead, she’s backing Libertarian Gary Johnson.

The degree of alleged wrongdoing by the Republican and Democratic presidential candidates, Waggoner said, “are not equal.”

Most likely voters in the poll say they think Trump has little to no respect for women, with female voters especially likely to say he has none at all.

Clinton leads female likely voters by a 22 point margin in the poll, and even has a slight 5 point lead among men. In September’s AP-GfK poll, Clinton led women by a 17 point margin and trailed slightly by 6 points among men.

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The AP-GfK Poll of 1,546 adults, including 1,212 likely voters, was conducted online Oct. 20-24, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 2.75 percentage points, and for likely voters is plus or minus 3.1 percentage points.

Respondents were first selected randomly using telephone or mail survey methods and later interviewed online. People selected for KnowledgePanel who didn’t have access to the internet were provided access for free.

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Online:

Poll results: http://ap-gfkpoll.com


AP-GfK poll: Most Trump supporters doubt election legitimacy

By Jonathan Lemire and Emily Swanson

CHARLOTTE, N.C. (AP) — Donald Trump’s dubious claims the presidential election is “rigged” have taken root among most of his supporters, who say they will have serious doubts about the legitimacy of the election’s outcome if Hillary Clinton wins, according to a new Associated Press-GfK poll.

Just 35 percent of Trump’s supporters say they will most likely accept the results of the election as legitimate if Clinton wins, while 64 percent say they’re more likely to have serious doubts about the accuracy of the vote count if the Republican nominee is not the victor.

“Of course I believe it’s rigged, and of course I won’t accept the results,” said Mike Cannilla, 53, a Trump supporter from the New York borough of Staten Island. “It’s from the top: Obama is trying to take over the country, he’s covering up all of Hillary’s crimes and he’s controlling the media trying to make Trump lose.”

“Our only chance on Nov. 9 is if the military develops a conscience and takes matters into its own hands,” Cannilla said.

By contrast, 69 percent of Clinton’s supporters say they’ll accept the outcome if Trump wins. Only 30 percent of the Democratic nominee’s backers express a reluctance to accept the results if the former secretary of state loses on Election Day.

Overall, 77 percent of likely voters say they’ll accept the legitimacy of the results if Trump wins, while 70 percent say the same of a Clinton win.

In the final weeks of the campaign, Trump has made doubts about the integrity of the U.S. election system a cornerstone of his closing argument. Asked directly at the final presidential debate if he would accept the election results, Trump refused, saying: “I will keep you in suspense.”

That extraordinary statement, with its potential to challenge the peaceful transition of power that is a hallmark of the American democracy, did little to harm him with his base of supporters. The poll found that 44 percent of all likely voters say Trump’s stance makes them less likely to support him, but the vast majority of his supporters say it doesn’t make a difference.

“He should fight it all the way,” said George Smith, 51, a Trump supporter from Roswell, Georgia. “Spend weeks in court if he has to. He can’t let it be taken from him. That’s his right.”

Trump has also repeated inaccurate claims that vote fraud is a widespread problem, and the poll finds that most of Trump’s supporters share that concern. Fifty-six percent think there’s a great deal of voter fraud, 36 percent believe there is some, and 6 percent say there’s hardly any.

Most Clinton supporters, 64 percent, think there’s hardly any voter fraud. Overall, just 27 percent of likely voters think there’s a great deal of fraud. A third of voters overall believe there is at least some, while 38 percent say there is hardly any.

While there have been isolated cases of voter fraud in the U.S., there is no evidence of it being a widespread problem. In one study, a Loyola Law School professor found 31 instances involving allegations of voter impersonation out of 1 billion votes cast in U.S. elections between 2000 and 2014.

Beyond allegations of fraud, 40 percent of Trump supporters say they have little to no confidence that votes in the election will be counted accurately. Another 34 percent say they have only a moderate amount of confidence, and just 24 percent say they have a great deal or quite a bit of confidence in the vote count.

Among Clinton supporters, 79 percent say they have a great deal or quite a bit of confidence in the vote count’s accuracy. Many believe Trump should voice support for the electoral system even in defeat.

“Be an adult. Accept the results,” said Shavone Danzy-Kinloch, 37, a Clinton supporter from Farmingville, New York. “If the shoe was on the other foot, he’d expect Hillary to do the same.”

Trump’s supporters are also more likely than others to say they are concerned about hackers interfering with the election. Forty-six percent of them are extremely or very concerned and 37 percent somewhat concerned. Overall, 32 percent of voters say they’re extremely to very concerned and 39 percent somewhat concerned. Among Clinton supporters, 60 percent are at least somewhat concerned.

Although the poll shows many Trump supporters would have doubts about a Clinton win, the poll shows relatively little acute concern that claims of inaccuracy and voter fraud could prevent Americans overall from accepting the results. Just 30 percent of likely voters are extremely or very concerned about that, while another 40 percent are somewhat concerned.

Twenty-nine percent say they’re not very or not at all concerned.

“If she wins, we’re all going to have live with it,” said Daniel Ricco, 76, a Trump supporter from Milford, Connecticut. “It won’t be good for the country, but there’s nothing we can do.”

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The AP-GfK Poll of 1,546 adults, including 1,212 likely voters, was conducted online Oct. 20-24, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 2.75 percentage points, and for likely voters is plus or minus 3.1 percentage points.

Respondents were first selected randomly using telephone or mail survey methods and later interviewed online. People selected for KnowledgePanel who didn’t have access to the internet were provided access for free.

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Online:

Poll results: http://ap-gfkpoll.com

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Swanson reported from Washington.

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Follow Jonathan Lemire and AP Polling Editor Emily Swanson on Twitter at: http://twitter.com/JonLemire and http://twitter.com/El_Swan