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CREDIT CARD |
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It may seem incredible, but Credit Card issuers clog the mails with over
2.5 billion offers inviting people to apply for a Credit Card. Even
those who would not qualify for a conventional Credit Card due to
serious credit problems are now able to get one; some Credit Card
issuers even specialize in this particular type of market. And according
to financial gurus, there are at least a billion Credit Card in active
circulation throughout the United States alone.
BANK Credit Card
You
have probably noticed that most Credit Card bear either the logo of
Visa or MasterCard together with the name of the bank. It would appear
that either Visa or MasterCard has issued the Credit Card. That is not
quite an accurate assumption: these two companies do not issue Credit
Card directly to the consumers. Most of the
Credit Card on the market
today are offered by thousands of banks around the globe. Each bank is
linked to the Credit Card association, because are not allowed to issue
any kind of card unless they are association members. TRAVEL AND ENTERTAINMENT CARDS
Travel
and entertainment cards are similar to bank Credit Card in the sense
that holders can charge purchases at various stores and locations.
However, they are also different from bank Credit Card because they are
offered directly by the Credit Card companies, namely, American Express
and Diners Club. HOUSE CARDS Unlike a bank Credit Card, and a travel and entertainment card, which you can use in many purchase locations, a house card is accepted only at a particular store or stores within the same chain. House cards (also referred to as retail charge cards) are the second largest category of Credit Card; major house issuers include department stores, oil and gasoline companies, and telephone companies. Discover Card, once owned by Sears, was probably the biggest house card until a financial institution to become a distinct Credit Card company purchased it. Source : www.articlesbase.com ©copyright 2009 |
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