Tuesday, April 28, 2015

Given payment card boom caused petrol trading companies in order to serve the growing number of Ame

As Visa has conquered the world - VZ.LT
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My wallet such cards (not debit) - two and debt, I hope I have less than the average American. But me and him, and I guess every continually overwhelmed by temptation to use the principle of "buy now, pay later". And furthermore that the use of credit or payment cards are enjoyable and convenient than carry a purse, pressed down the cash. Today our rare probably imagine how energetic people exceptable in general would be possible to live without the plastic cards that are užvaldžiusios all spheres of our life. During the year, we spend an average of 112 percent even more money when paying cards than paying cash.
Trade credit has been given already 3000 years ago in ancient Egypt and Babylon. Apparently, the human race early learned the benefits of these financial operations, the only thing in the next century to develop measures to control the debt buyer. Credit card for the first time, to 1887, yet. published by the American writer Edward Bellamy's utopian book "Looking back, though primitive predecessors cards appeared much earlier, even in ancient times - then mankind has used stones, metal plates and stick with the buyer's debt tags.
Once F. McNamara Manhattan restaurant and dined with the customer's account only after receiving realized that the office left the wallet. The first payment card as we know today, in 1921. their regular customers spent an American company Western Union - to the card account was credited the amount of money made available to the client. It was a convenient substitute for cash, and many companies were quick to follow this practice. In addition, exceptable these cards have been regarded as an excellent means of attracting new customers - the third decade of the growing US economy needed to promote the use of financial instruments. It is true that the third decade of the cards were cardboard and easily falsified. But in 1928. appeared in the Charge-Plate "- a metal card, by the way, generally considered exceptable to be in the store, not the client's pocket. This was the beginning of yet another innovation: the money and transferred it to her client not paying his bills, and the third party - the bank or other financial institution. Such cards spread especially in household goods stores, where the buyer's request, the clerk brought his card from the store and we'll deduct the correct amount of money. 1934. airline, American Airlines has released his own "passenger card" - "Air Travel Card, with which the air ticket was already possible to buy on credit, exceptable and 1941. introduced an innovation, and operating today - not to pay the invoice immediately, and parts.
Given payment card boom caused petrol trading companies in order to serve the growing number of American motorists. True, until 1938. payment cards have been adopted in only one location to be determined before the company began to combine with each other and the ability to pay cards issued by its competitors. The first bank card in 1946. released now defunct "Flatbush National Bank of Brooklyn in New York. Named "Charge-It 'card was used to pay only by guaranteeing the buyer a self-signed check and only in certain New York stores. Americans at that time were used to pay off not only cash, but also checks, exceptable which meant that the seller had to call the bank and ask if the buyer's account has sufficient funds ...
F. McNamara once dined Manhattan restaurant with his client and only upon receipt exceptable of invoice realized that the office has forgotten wallet. From unpleasant situation saved it appeared wife, but a humiliation exceptable F. McNamara forgot more and decided it will move. 1950. together with his lawyer, he created Diners Club - the world's first modern credit card program.

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