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Untitled 5 Jan 2010 | 04:36 am
Credit history The way credit card owners pay off their balances has a tremendous effect on their credit history. Two of the most important factors reported to a credit bureau are the timeliness of t...
Untitled 5 Jan 2010 | 04:35 am
Features As well as convenient, accessible credit, credit cards offer consumers an easy way to track expenses, which is necessary for both monitoring personal expenditures and the tracking of work-re...
Untitled 5 Jan 2010 | 04:35 am
Security problems and solutions Main article: Credit card fraud See also: Wireless identity theft Credit card security relies on the physical security of the plastic card as well as the privacy of ...
Untitled 5 Jan 2010 | 04:34 am
Secured credit cards A secured credit card is a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amo...
Untitled 5 Jan 2010 | 04:34 am
Prepaid "credit" cards See also: Stored-value card A prepaid credit card is not a credit card,[8] since no credit is offered by the card issuer: the card-holder spends money which has been "stored" ...
Untitled 5 Jan 2010 | 04:33 am
Costs to merchants Merchants are charged many fees for the privilege of accepting credit cards. The merchant may be charged a discount rate of 1%-3%+ of each transaction obtained through a credit car...
Untitled 5 Jan 2010 | 04:33 am
Parties involved Cardholder: The holder of the card used to make a purchase; the consumer. Card-issuing bank: The financial institution or other organization that issued the credit card to the cardh...
Untitled 5 Jan 2010 | 04:33 am
Transaction steps Authorization: The cardholder pays for the purchase and the merchant submits the transaction to the acquirer (acquiring bank). The acquirer verifies the credit card number, the tran...
Untitled 5 Jan 2010 | 04:32 am
Benefits to merchants An example of street markets accepting credit cards. Most simply display the logos (shown in the upper-left corner of the sign) of all the cards they accept. For merchants, a c...
Untitled 5 Jan 2010 | 04:32 am
Benefits to merchants An example of street markets accepting credit cards. Most simply display the logos (shown in the upper-left corner of the sign) of all the cards they accept. For merchants, a c...
