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Friday, September 21. 1979
University Daily Kansan
11
Applications stiffer for charge cards
By DOUG WAHL
Staff Reporter
Students with little or no income might not be able to get a Master Charge or RSA card since the two card companies require application requirements stricter.
Bill Lierhard, vice president of the First National Bank of Lawrence, 902 Massachusetts St., said this week that he and his staff had falsified application forms, VISA and Master Charge had made their cardholder requirements more stringent.
One woman, a Lawrence merchant who did not want to be identified, said she had received a VISA card with an $800-a-month income and social security number on the application form. She said the only information on the application that was correct was her name and place of residence. The merchant said the card and accumulated a large debt.
Because incidents of this type have been increasing, credit card companies are on their guard.
"Now you must have established credit," Lienhard said. "I don't care if you have $50,000 in the bank, if you have established credit, you won't get the card."
Lienhard also said that an applicant must now have an income of at least $590 a month.
Despite the new requirements, David Dodge, assistant manager of the Bank
Americard center in the Commerce Bank of Kansas City, Mo., said the number of VISA cardholders had increased and people also were paying their debts.
But the delinquency rate for VISA cardholders has dropped from 3.73 percent in December of 1978 to 2.75 percent in June.
However, because of the greater number of cardholders, the outstanding debt nationwide for VISA customers has grown to $8 million last year to $11 million this year.
Dodge said figures for Master Charge equipment are not available. The average bill sent to Commerce Bank VISA customers last June was $980, and only $5 more that that.
There are only two bank-supported charge cards—VISA and Master Charge. Businesses that accept both cards are insured against loss by their local banks.
VISA began in 1969 and Master Charge followed about six years ago.
Dodge said one way his office tried to reduce outstanding debts on both cards was through improved collection methods.
"We have to be careful not to harass cardholders, though," he said. "We have to get to them during a working day, and can't call them more than once a day."
Dodge said deliquent payments were reported to the credit bureau in Kansas City.
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Beer to be rid of cancer agent
By JUDY WOODBURN
—no refreshments allowed—
Staff Reporter
Brewers across the nation are coming a solution to the problem of cancer-associated Gastritis. Governor Greg Abbott vice president of communications for the United States Breweries Association, said last
Gardner said brewers first began investigating the problem more than a year ago, after a research project at the Research Institute in Heidelberg discovered the presence of nitrosamines, a cancer risk.
He said there was some possibility that the nitrosamines in the beer could be eliminated within six months. The Center has created a program for Washington-based consumer group, has said that brewers should be forced to use more water from their products within that amount of time.
BUT CLIFFOORD SHANE, regional hospital, was injured in a machine accident, and there was no way to determine what yet levels of nitronamines in beer could pose a cancer threat to humans.
In addition, the consumer group says consumers should be alerted to possible cancer threats from the nitrosamines in beer.
"We're taking parts per billion in nitrosamine levels," Shane said. "The saccharine levels in drinks that are
Gardner said studies by private laboratories under contract by the Brewers Association had shown an average of two to three parts per billion of nitrosamines in than 1,000 brands of beer. Some beers also no evidence of the carcinogen, he said.
labeled with warning messages about cancer dancers are much higher than that.
He said the nitrosamines were formed as a by-product during the mating stage of beer production, as the barley was dried in kins.
SEVERAL METHODS of inhibiting the nitrosamine formation have been shown to be effective, he said.
These methods include adding small amounts of sulfur, a nitrosamine inhibitor, to the barley, or drying the barley for a time at lower temperatures, Gardner said.
In a test of all types of alcoholic beverages completed three months ago, the new brewery in Bremen was called Wolham, Mass., confirmed the presence of microbes in domestic and imported beverages.
Jim O'Brien, a spokesman for the Institute, said the German study had revealed nitrosamine concentrations of up to 18 parts per million. He termed those levels relatively high.
THE INSTITUTE'S study showed that nitrosamine levels in American and imported beers ranged from 0.4 to seven parts per billion.
Nitrosamine levels in Scotch were found to be lower, O'Brien said, at 0.3 to two parts per billion.
Although the German study found nisinamine to be more concentrated in the blood than in the urine, the Institute's study has found no such correlation between American low-calorie diets and urinary nisinamine.
Nitrosamines are present in foods such as bacon and other processed meats and are naturally present in the air and in the human body, O'Brien said.
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Jim Parks, spokesman for the Alcohol, Tobacco and Firearms Taxation Bureau in Washington, said that there was no official investigation into those products that contained nitrosamines.
"But," he said, "the 'World Health Organization in France has said that nitrosamines should be considered a human carcinogen."
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He said nitrosamines were one of a family of cancer-causing agents, and they are also carcinogens. Nitrosamines are one of the "more powerful" carcinogens of that family, he added.
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HE SAID THAT although nitrosamines had been found to cause cancer in
He said his bureau, which regulates labeling of alcoholic beverages, might consider whether labeling simulated to the degree that it would inform on dietary soft drinks was feasible.
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"But there's a strong possibility that rather than worry about labeling the beer, the brewers can eliminate the substance entirely." Parks said. "These types of beer are so good in other things, such as bacon, that it wouldn't seem fair to sell out beer for labeling."
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