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Retail loans surpass overall credit growth (The Hindu) - The RBI has, however, expressed concern about the stagnation of bank credit to the SME sector. Retail loans have surged by 40.9 per cent in fiscal 2005-06, which was higher than the overall credit growth of 31 per cent, according to the RBI's report on Trend and Progress of Banking in India.. UK loans firm gets OFT rap over credit ads (Banking Business Review) - UK loans company Charles Price has agreed to change its credit advertising following action by the Office of Fair Trading.. Credit union co-op focuses on commercial loans (BizJournals) - A Cincinnati-based cooperative aimed at helping credit unions make commercial loans has opened its first Central Ohio office.. NY Credit Trust Files for $230M IPO (AP via Yahoo! Finance) - NY Credit Trust has filed to sell up to $230 million in stock in an initial public offering to sell. The New York-based real-estate investment trust, formed in March 2005, acquires and trades commercial real-estate related loans and mortgage-backed securities.. Giving Credit Where Credit's Due (Washington Post) - Picture this: You have lived in this country for 15 years, earned a decent wage, raised a family, and always paid your rent, utilities, cellphone charges and other bills on time, month after month. But you made little or no use of the conventional banking and credit systems -- avoiding bank loans, credit cards and debt in general. . Credit boom benefits E.Europe, pitfalls lurk-EBRD (Reuters via Yahoo! Asia News) - LONDON, Nov 13 (Reuters) - A huge increase in availability of bank loans has benefited households in the former Soviet bloc but high credit-growth levels and the dominance of foreign banks could become a worry in some countries, the EBRD said on Monday.. Column: How are loan rates determined? (AP via Yahoo! News) - Q: I hear all the time about the Federal Reserve raising or lowering interest rates. How does that affect the rates I pay for my credit card or the rates I see for car loans?. United Airlines Credit-Default Swaps Rise on LBO Speculation (Bloomberg.com) - Nov. 14 (Bloomberg) -- The perceived risk of owning United Airlines parent UAL Corp.'s debt rose after a report that the company may be the target of a leveraged buyout, according to traders betting on the creditworthiness of companies in the credit-default swap market.. 14 myths about credit freezes (Bankrate.com via Yahoo! Finance) - Confused about this identity theft deterrent? Here's what a credit freeze will and will not do to protect your credit files.. South Africa: Abil to Keep Cutting Price of Loans to Grow Volume (AllAfrica.com) - MASS-market lender African Bank Investments Limited (Abil) planned to keep cutting the price of its loans to grow volume and attract new customers, it said yesterday..