In the United States, in accordance with the charge after the term of payment and the amount of payment can be divided into "debit card" (ChargeCard) and "credit card" (CreditCard) two.
At present it is generally will with functions of debit CARDS are collectively referred to as "credit card".In fact in charge after the term of payment and the amount of payment for regulation can be divided into "debit card" (ChargeCard) and "credit card" (CreditCard) two.The nature of the former for tourist entertainment CARDS, usually issued by the exclusive unit, the common charge CARDS American express (AmericanExpress), issued by the us express company exclusive, the other for supper club card (like 'sClub) issued by Citibank, debit CARDS feature is no grace period (GracePeriod), which should be paid immediately after receipt of the bill, not credit, not cumulative balance, not the provisions of the minimum amount, so there is no credit limit.
As for the credit card, represented by Visa and Mastercard and DiscoverCard, before both basically is a kind of bank card (BankCard), the properties of Visa and Mastercard company authorized bank provides small unsecured personal loans, in a specific period amortization, by bank guarantee unsecured loans, so the loan interest rate is generally higher than that of bank loan interest rates.As well as credit limit and the lowest should be incurred amount, in order to avoid excessive consumer billed.And DiscoverCard is issued by credit card by Sears group, it has a general letter bank card card have properties, and its in order to expand sales, encourage stores accept, gold is on sale for the right service are Visa and Mastercard is low, at present has gained a foothold in the credit card market.
In addition to the issuers have different, the same hairpin bank will also credit card issued in accordance with the credit limit is divided into different levels, generally can be divided into three of the platinum card, gold card or an ordinary card.Platinum card commonly held for entrepreneurs, politicians or celebrities, so holding rate is not common.At the same time, the issue of platinum card Banks and financial institutions are also limited.Gold card is usually required to pay a higher fee, the amount is about fifty to ninety dollars, and usually require as a condition is higher.But in recent years, the credit card market is increasingly vigorous, not on any card issuers to market the exclusive for others, so the claim object have been relaxed many.American Express Card, for example, any consumers hold the card after a set period, often get self-help transform the gold card application notice.Only the gold card generally required to pay an annual fee of a classic card is high, but also have higher credit lines and more services and insurance amount.As for an ordinary card Usually most of the annual fee for about $20, but there have been several issues recently life-long free annual fee or no annual fee credit card in the first year for consumers.Held at the beginning of an ordinary card, the credit system according to the degree of credit, and more than income, thereafter, according to the condition of consumption and need to raise.
Some services to stimulate the consumer's desire and increase their purchasing power, also sets up a credit department issued its exclusive store credit card.Its feature is no annual fee, and is limited to the store.The issuance of such credit card industry have petrol company, such as Exxon, Amoco;Such as Goodyear tire company and Mr. Firestone.But the most common is a department store.As consumers are encouraged to apply for, often in a special counter to store at the department store, the acceptance of application, and presented a practical everyday items to the applicant, and from time to time there are all kinds of promotion or discount activity at a discount, specified for the cardholder to enjoy only.Because can use locations are not common, and the average credit card function, so is relatively easy to apply, for no credit record, also can be regarded as a primer.
No comments:
Post a Comment