Credit Card
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This document discusses credit cards and their history and features. It defines credit cards as plastic cards that can be used to make purchases or obtain cash using a line of credit. Credit cards are classified in different ways, including by mode of credit recovery (charge cards or revolving credit), status (standard, business, gold), geographical validity (domestic, international), franchise/tie-up (proprietary, MasterCard, Visa), and issuer (individual, corporate). The document also outlines the credit card cycle and provides advantages to both cardholders and credit card companies/banks, as well as some disadvantages.
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Credit cards ppt (1)
Credit cards are plastic cards that allow users to make purchases now and pay for them later. They provide pre-approved credit up to a set limit. To be eligible, one must have a bank account and be deemed creditworthy based on income, assets, and expenses. Credit cards display key information like the card number, expiration date, security features, issuing bank, and signature strip. They are classified based on payment type, user status, validity area, brand affiliation, and issuing institution. Credit cards offer convenience for users and guaranteed payment for merchants, while banks earn revenue from fees. However, they also carry risks like debt, fraud, and theft for users and merchants. Safety tips include signing cards, reporting loss/theft
Credit and debit card
This presentation provides an overview of credit and debit cards. It defines debit cards as allowing direct withdrawal of funds from a customer's bank account for purchases. Credit cards allow cardholders to borrow money for purchases and pay it back later, potentially with interest. The document describes different types of credit and debit cards such as standard, premium, limited purpose, and specialty cards. It also outlines the parties involved in a transaction and how transaction processing works. Finally, it summarizes the key differences between credit and debit cards, such as credit cards being for purchases on credit versus debit cards withdrawing directly from a linked bank account.
Credit Card
1. A credit card is pre-approved credit that allows individuals to purchase goods and services now and pay for them later. Credit limits are based on an individual's creditworthiness, or ability and willingness to repay debts.
2. Credit cards charge interest on unpaid balances and are primarily used for short-term financing. Holders can make purchases up to a pre-set credit limit and must make minimum monthly payments.
3. Credit card issuers, usually banks, set credit limits and reimburse merchants for purchases, while cardholders repay the issuer each month. Issuers make money through interest charges and fees.
Credit cards
A credit card is a small plastic card that allows users to make purchases and pay for them over time. The card issuer opens a revolving line of credit for the user and charges interest on any balances that are not paid off each month. Credit cards differ from debit cards, which deduct funds directly from a linked bank account, and charge cards, which require payment in full each billing cycle. While credit cards have grown popular for their convenience, issuers charge fees for late payments, exceeding the credit limit, cash advances, and other penalties to mitigate risk.
Credit Card
A credit card allows individuals to make purchases and pay back the amount over time, with interest charged on unpaid balances. Credit cards are issued by banks or other financial institutions to customers who can then use them to buy goods and services. Key features of modern credit cards include annual fees, interest charges, cash advance fees, and other penalties. Credit cards provide convenience for purchases but can also contribute to debt if not managed carefully.
Credit cards ppt
The document presents information on credit cards including:
1) A brief history of credit cards originating in the US in 1950 and being introduced in the UK in 1966 and India in 1980.
2) An overview of how credit cards work with three parties involved - the issuing bank, card holders who can make purchases without immediate payment, and member establishments who receive payments from the bank after deducting commissions.
3) Eligibility for different types of credit cards depends on a person's income, with standard cards providing basic access and higher tier cards like platinum and titanium offering additional perks and higher spending limits.
Credit Cards
A credit card allows cardholders to pay for goods and services with the promise to pay later. It was invented in 1887 and the first credit cards emerged in the 1920s in the US. Key details include the card number structure, parties involved in transactions, and benefits to customers and merchants. Credit cards offer rewards but also risks like debt that debit cards do not. Merchants may pass on credit card transaction fees through higher prices for all customers. Different credit cards have varying interest rates, annual fees, rewards programs, and other features to consider.
Debit and credit card
This document provides information about debit and credit cards in India. It introduces when debit and credit cards were introduced in the 1970s by Corporation Bank and Andhra Bank respectively. It describes debit cards as plastic cards that provide an alternative payment method to cash and allow for instant withdrawals of cash. Credit cards allow users to borrow money for purchases and pay it back later with interest. The document outlines the different types of debit and credit cards and parties involved in transactions. It discusses trends of increased debit and credit card usage in India. Finally, it compares features and fees of cards from SBI and HDFC Bank and identifies problems faced by card holders like unauthorized purchases, privacy breaches, and identity theft.
Recommended
Credit cards ppt (1)
Credit cards are plastic cards that allow users to make purchases now and pay for them later. They provide pre-approved credit up to a set limit. To be eligible, one must have a bank account and be deemed creditworthy based on income, assets, and expenses. Credit cards display key information like the card number, expiration date, security features, issuing bank, and signature strip. They are classified based on payment type, user status, validity area, brand affiliation, and issuing institution. Credit cards offer convenience for users and guaranteed payment for merchants, while banks earn revenue from fees. However, they also carry risks like debt, fraud, and theft for users and merchants. Safety tips include signing cards, reporting loss/theft
Credit and debit card
This presentation provides an overview of credit and debit cards. It defines debit cards as allowing direct withdrawal of funds from a customer's bank account for purchases. Credit cards allow cardholders to borrow money for purchases and pay it back later, potentially with interest. The document describes different types of credit and debit cards such as standard, premium, limited purpose, and specialty cards. It also outlines the parties involved in a transaction and how transaction processing works. Finally, it summarizes the key differences between credit and debit cards, such as credit cards being for purchases on credit versus debit cards withdrawing directly from a linked bank account.
Credit Card
1. A credit card is pre-approved credit that allows individuals to purchase goods and services now and pay for them later. Credit limits are based on an individual's creditworthiness, or ability and willingness to repay debts.
2. Credit cards charge interest on unpaid balances and are primarily used for short-term financing. Holders can make purchases up to a pre-set credit limit and must make minimum monthly payments.
3. Credit card issuers, usually banks, set credit limits and reimburse merchants for purchases, while cardholders repay the issuer each month. Issuers make money through interest charges and fees.
Credit cards
A credit card is a small plastic card that allows users to make purchases and pay for them over time. The card issuer opens a revolving line of credit for the user and charges interest on any balances that are not paid off each month. Credit cards differ from debit cards, which deduct funds directly from a linked bank account, and charge cards, which require payment in full each billing cycle. While credit cards have grown popular for their convenience, issuers charge fees for late payments, exceeding the credit limit, cash advances, and other penalties to mitigate risk.
Credit Card
A credit card allows individuals to make purchases and pay back the amount over time, with interest charged on unpaid balances. Credit cards are issued by banks or other financial institutions to customers who can then use them to buy goods and services. Key features of modern credit cards include annual fees, interest charges, cash advance fees, and other penalties. Credit cards provide convenience for purchases but can also contribute to debt if not managed carefully.
Credit cards ppt
The document presents information on credit cards including:
1) A brief history of credit cards originating in the US in 1950 and being introduced in the UK in 1966 and India in 1980.
2) An overview of how credit cards work with three parties involved - the issuing bank, card holders who can make purchases without immediate payment, and member establishments who receive payments from the bank after deducting commissions.
3) Eligibility for different types of credit cards depends on a person's income, with standard cards providing basic access and higher tier cards like platinum and titanium offering additional perks and higher spending limits.
Credit Cards
A credit card allows cardholders to pay for goods and services with the promise to pay later. It was invented in 1887 and the first credit cards emerged in the 1920s in the US. Key details include the card number structure, parties involved in transactions, and benefits to customers and merchants. Credit cards offer rewards but also risks like debt that debit cards do not. Merchants may pass on credit card transaction fees through higher prices for all customers. Different credit cards have varying interest rates, annual fees, rewards programs, and other features to consider.
Debit and credit card
This document provides information about debit and credit cards in India. It introduces when debit and credit cards were introduced in the 1970s by Corporation Bank and Andhra Bank respectively. It describes debit cards as plastic cards that provide an alternative payment method to cash and allow for instant withdrawals of cash. Credit cards allow users to borrow money for purchases and pay it back later with interest. The document outlines the different types of debit and credit cards and parties involved in transactions. It discusses trends of increased debit and credit card usage in India. Finally, it compares features and fees of cards from SBI and HDFC Bank and identifies problems faced by card holders like unauthorized purchases, privacy breaches, and identity theft.
Credit card
Credit cards are a form of deferred payment that allow cardholders to pay for goods and services based on a promise to pay the balance later. They have several components like the card number, expiration date, and security features. There are different types like standard cards, reward cards, and secured cards for rebuilding credit. Credit cards offer advantages like convenience and cash access but also risks like debt and fraud. Users should take safety precautions like keeping cards secure and reporting lost cards.
Plastic money
Plastic money refers to payment cards like debit cards, credit cards, prepaid cards, and store cards that are used instead of cash. Debit cards directly deduct funds from a linked bank account for purchases. Credit cards provide a line of credit and require monthly payments of balances. Prepaid cards are loaded with funds that can be spent until the balance reaches zero. Store cards can only be used at a specific retailer and are often used as marketing tools.
137356011 23669136-credit-card-ppt
Credit cards allow users to make purchases and pay the balance later, with interest charged on unpaid balances. A credit card transaction involves several parties: the cardholder makes a purchase from a merchant, who is paid by an acquiring bank; the card-issuing bank then pays the acquiring bank and bills the cardholder. Key benefits of credit cards include convenience and fraud protection compared to debit cards. Customers have a grace period before interest is charged if they pay the monthly statement balance in full. Fees charged to customers can include late fees, over-limit fees, and fees for cash advances or foreign transactions.
7.credit card and debit card working and management
Credit and debit cards began emerging in the late 1970s and early 1980s. Debit cards were introduced first around 1977-1978, highlighting the growth of electronic payments. Credit cards then followed in the 1980s when banks started acting as clearing houses for transactions and promoting their own card brands. Both cards now provide convenient alternatives to cash payments. While credit cards allow users to borrow money and incur interest charges, debit cards directly access funds from a user's bank account without interest. The two cards differ in how they are linked to accounts and whether spending results in debt or directly accessed money.
Features of Credit Card
Modern credit cards have several key features. They provide wide coverage as they can be used at merchant establishments by cardholders to purchase goods and services based on a system of revolving credit. Credit cards identify the owner and set a credit limit for purchases. They serve as a convenient cashless medium of exchange that allows cardholders to make purchases and pay the bank back later while the bank bears the risk of any defaults.
PLASTIC MONEY
A slang phrase for credit cards, especially when such cards used to make purchases. The "plastic" portion of this term refers to the plastic construction of credit cards, as opposed to paper and metal of currency. The "money" portion is an erroneous reference to credit cards as a form of money, which they are not. Although credit cards do facilitate transactions, because they are a liability rather than an asset, they are not money and not part of the economy's money supply.
source:net
debit cards
The document provides information on various debit cards issued by State Bank of India (SBI). It discusses the features and uses of different SBI debit cards including the Classic, Silver International, Global International, Gold International, Platinum International, SBI INTOUCH Tap & Go, and Mumbai Metro Combo cards. The key details provided include cash withdrawal limits, accepted locations for use, available benefits like insurance and rewards points, and security precautions for safe debit card transactions.
Presentation on Debit and credit card
What is Debit / Credit card ? | Short history | Structure | Classification | Eligibility for getting Debit / Credit card | Advantages / Disadvantages | Safety tips.
Introduction to retail banking
Retail banking provides banking services to individuals through local branches of large commercial banks. Services offered include savings and checking accounts, mortgages, personal loans, debit cards, and credit cards. Retail banks deal with individual customers and small businesses by handling deposits, loans, and other transactions.
Retail banking
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
ppt on loans and advances
The document discusses various types of loans and advances provided by banks, as well as the principles of sound lending. It describes how banks earn profits by providing loans and advances to individuals, businesses, and industrialists. Some key points covered include:
- Banks provide secured and unsecured advances, with secured advances having a primary security/collateral pledged by the borrower, such as machinery.
- The main types of advances are loans, cash credits, overdrafts, and bills discounted. Loans can be short-term or long-term based on purpose.
- Banks employ various methods to charge security for loans, including lien, pledge, mortgage, assignment, and hypothecation of movable property.
credit card ppt
A credit card allows cardholders to pay for goods and services with the promise to pay later. It was invented in 1887 and is now issued through major networks like Visa and Mastercard. Security features like magnetic stripes, holograms, and ultraviolet markings help prevent fraud. The document discusses how credit cards work, their benefits and risks, and tips for safe usage.
Presentation on Banking Products
This presentation provides an overview of various banking products and services. It discusses the different types of banks and their core functions. It then examines several common banking products in India including deposits (current, savings, fixed, recurring), loans, cash credit, overdraft, credit cards, debit cards, ATMs, mobile/internet banking, demat accounts, and e-cheques. For each product, it provides details on what they are, the types that exist, their key features and benefits. The presentation is intended to educate audiences on the range of offerings provided by banks in India.
Debit And Credit Cards
Debit cards are linked directly to a checking account and use funds that have already been deposited, while credit cards allow purchases to be made without immediately paying and require repayment of balances over time. Debit cards provide access to cash from ATMs and require a PIN for transactions, while credit cards typically only require a signature. While debit cards avoid interest charges and do not require credit worthiness, they offer less fraud protection than credit cards and can incur overdraft fees if funds are insufficient.
Kyc Know Your Customer
Know Your Customer (KYC) refers to banks obtaining identifying information from customers to prevent money laundering and financing of terrorism. The key aspects of KYC include:
1) Setting up a compliance unit to monitor accounts and transactions on an ongoing basis and update customer information regularly.
2) Obtaining proper identification and information about customers' employment/business when opening accounts or making significant changes.
3) Monitoring transactions to identify any that are unusually large or inconsistent with the customer's history.
KYC
This document discusses Know Your Customer (KYC) guidelines for banks in India. It explains that KYC allows banks to properly identify customers and understand their financial transactions. The objectives of KYC are positive customer identification and safeguarding customer money. KYC applies when opening new accounts, changing account details, or conducting high-value transactions. Customers must provide photo ID, proof of identity, and proof of address, such as a passport, driver's license, or utility bills. Small deposit accounts have simplified KYC norms but still require identity verification. Relationship managers assist customers with KYC processes. Money laundering involves disguising illegally obtained money, and banks must properly identify customers to prevent this crime.
Credit card
A credit card allows cardholders to pay for goods and services with the promise to pay for them later. It provides convenience over other payment methods like debit cards or checks. For merchants, credit cards are more secure than cash and reduce processing costs. There is typically a grace period of 20-55 days before interest is charged on purchases, allowing customers to pay their balance in full each month without interest. Different credit cards have varying interest rates, annual fees, rewards programs, minimum payments, and grace periods. While credit cards provide benefits like rewards, their disadvantages include potential interest charges and fraudulent activity risks.
Debit card. Ravi Kumar
This document provides information about debit cards. It defines a debit card as a plastic card that provides an alternative payment method to cash by withdrawing funds directly from a linked bank account. The document outlines different types of debit cards including online debit cards that require electronic authorization for every transaction, offline debit cards that can be used like credit cards, and prepaid debit cards that are loaded with funds. It also discusses advantages like avoiding credit checks and limiting spending to available funds, and disadvantages like potential overdraft fees.
Types of deposits
This document discusses the major types of bank deposits in India including savings accounts, recurring deposits, fixed deposits, and current accounts. It provides details on the key features of each type of account such as interest rates, minimum balance requirements, withdrawal limits, and purposes. Additionally, it mentions some newer deposit products introduced by banks that combine elements of different traditional accounts.
Credit card
Credit cards allow cardholders to make purchases without immediate payment. There are typically three parties involved - the issuing bank, merchant establishments, and cardholder. Cards differ in the credit limits and benefits they provide, from standard to gold, platinum and titanium cards. Cardholders are charged annual, supplementary and late fees. Benefits can include reward points, discounts and insurance. Credit cards provide advantages to all parties by facilitating purchases for cardholders while generating interest and fees for banks, and increased business for merchants. However, cardholders must be careful of heavy interest charges if bills are unpaid and from overspending.
Credit Card History
Credit cards allow consumers to make purchases and pay back the amount over time, usually with interest. They offer convenience for consumers but can also contribute to debt problems if not managed responsibly. When used wisely, credit cards provide benefits like rewards programs and buyer protections but it is important to pay off balances in full each month to avoid interest charges.
Know Your Credit Cards
This document provides information about credit cards, including their history, key elements, benefits and costs, and modern innovations. It discusses that credit cards originated in the 1950s and were popularized by companies like Diners Club and American Express. A credit card number contains identifying information for the issuer and account. While credit cards provide benefits like rewards and credit lines, they also involve interest costs and fees. Recent innovations include contactless payments, EMV chip technology, mobile wallets, and online security measures. Choosing a card requires understanding one's needs and the card's policies and potential costs.
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What's hot
Credit card
Credit cards are a form of deferred payment that allow cardholders to pay for goods and services based on a promise to pay the balance later. They have several components like the card number, expiration date, and security features. There are different types like standard cards, reward cards, and secured cards for rebuilding credit. Credit cards offer advantages like convenience and cash access but also risks like debt and fraud. Users should take safety precautions like keeping cards secure and reporting lost cards.
Plastic money
Plastic money refers to payment cards like debit cards, credit cards, prepaid cards, and store cards that are used instead of cash. Debit cards directly deduct funds from a linked bank account for purchases. Credit cards provide a line of credit and require monthly payments of balances. Prepaid cards are loaded with funds that can be spent until the balance reaches zero. Store cards can only be used at a specific retailer and are often used as marketing tools.
137356011 23669136-credit-card-ppt
Credit cards allow users to make purchases and pay the balance later, with interest charged on unpaid balances. A credit card transaction involves several parties: the cardholder makes a purchase from a merchant, who is paid by an acquiring bank; the card-issuing bank then pays the acquiring bank and bills the cardholder. Key benefits of credit cards include convenience and fraud protection compared to debit cards. Customers have a grace period before interest is charged if they pay the monthly statement balance in full. Fees charged to customers can include late fees, over-limit fees, and fees for cash advances or foreign transactions.
7.credit card and debit card working and management
Credit and debit cards began emerging in the late 1970s and early 1980s. Debit cards were introduced first around 1977-1978, highlighting the growth of electronic payments. Credit cards then followed in the 1980s when banks started acting as clearing houses for transactions and promoting their own card brands. Both cards now provide convenient alternatives to cash payments. While credit cards allow users to borrow money and incur interest charges, debit cards directly access funds from a user's bank account without interest. The two cards differ in how they are linked to accounts and whether spending results in debt or directly accessed money.
Features of Credit Card
Modern credit cards have several key features. They provide wide coverage as they can be used at merchant establishments by cardholders to purchase goods and services based on a system of revolving credit. Credit cards identify the owner and set a credit limit for purchases. They serve as a convenient cashless medium of exchange that allows cardholders to make purchases and pay the bank back later while the bank bears the risk of any defaults.
PLASTIC MONEY
A slang phrase for credit cards, especially when such cards used to make purchases. The "plastic" portion of this term refers to the plastic construction of credit cards, as opposed to paper and metal of currency. The "money" portion is an erroneous reference to credit cards as a form of money, which they are not. Although credit cards do facilitate transactions, because they are a liability rather than an asset, they are not money and not part of the economy's money supply.
source:net
debit cards
The document provides information on various debit cards issued by State Bank of India (SBI). It discusses the features and uses of different SBI debit cards including the Classic, Silver International, Global International, Gold International, Platinum International, SBI INTOUCH Tap & Go, and Mumbai Metro Combo cards. The key details provided include cash withdrawal limits, accepted locations for use, available benefits like insurance and rewards points, and security precautions for safe debit card transactions.
Presentation on Debit and credit card
What is Debit / Credit card ? | Short history | Structure | Classification | Eligibility for getting Debit / Credit card | Advantages / Disadvantages | Safety tips.
Introduction to retail banking
Retail banking provides banking services to individuals through local branches of large commercial banks. Services offered include savings and checking accounts, mortgages, personal loans, debit cards, and credit cards. Retail banks deal with individual customers and small businesses by handling deposits, loans, and other transactions.
Retail banking
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
ppt on loans and advances
The document discusses various types of loans and advances provided by banks, as well as the principles of sound lending. It describes how banks earn profits by providing loans and advances to individuals, businesses, and industrialists. Some key points covered include:
- Banks provide secured and unsecured advances, with secured advances having a primary security/collateral pledged by the borrower, such as machinery.
- The main types of advances are loans, cash credits, overdrafts, and bills discounted. Loans can be short-term or long-term based on purpose.
- Banks employ various methods to charge security for loans, including lien, pledge, mortgage, assignment, and hypothecation of movable property.
credit card ppt
A credit card allows cardholders to pay for goods and services with the promise to pay later. It was invented in 1887 and is now issued through major networks like Visa and Mastercard. Security features like magnetic stripes, holograms, and ultraviolet markings help prevent fraud. The document discusses how credit cards work, their benefits and risks, and tips for safe usage.
Presentation on Banking Products
This presentation provides an overview of various banking products and services. It discusses the different types of banks and their core functions. It then examines several common banking products in India including deposits (current, savings, fixed, recurring), loans, cash credit, overdraft, credit cards, debit cards, ATMs, mobile/internet banking, demat accounts, and e-cheques. For each product, it provides details on what they are, the types that exist, their key features and benefits. The presentation is intended to educate audiences on the range of offerings provided by banks in India.
Debit And Credit Cards
Debit cards are linked directly to a checking account and use funds that have already been deposited, while credit cards allow purchases to be made without immediately paying and require repayment of balances over time. Debit cards provide access to cash from ATMs and require a PIN for transactions, while credit cards typically only require a signature. While debit cards avoid interest charges and do not require credit worthiness, they offer less fraud protection than credit cards and can incur overdraft fees if funds are insufficient.
Kyc Know Your Customer
Know Your Customer (KYC) refers to banks obtaining identifying information from customers to prevent money laundering and financing of terrorism. The key aspects of KYC include:
1) Setting up a compliance unit to monitor accounts and transactions on an ongoing basis and update customer information regularly.
2) Obtaining proper identification and information about customers' employment/business when opening accounts or making significant changes.
3) Monitoring transactions to identify any that are unusually large or inconsistent with the customer's history.
KYC
This document discusses Know Your Customer (KYC) guidelines for banks in India. It explains that KYC allows banks to properly identify customers and understand their financial transactions. The objectives of KYC are positive customer identification and safeguarding customer money. KYC applies when opening new accounts, changing account details, or conducting high-value transactions. Customers must provide photo ID, proof of identity, and proof of address, such as a passport, driver's license, or utility bills. Small deposit accounts have simplified KYC norms but still require identity verification. Relationship managers assist customers with KYC processes. Money laundering involves disguising illegally obtained money, and banks must properly identify customers to prevent this crime.
Credit card
A credit card allows cardholders to pay for goods and services with the promise to pay for them later. It provides convenience over other payment methods like debit cards or checks. For merchants, credit cards are more secure than cash and reduce processing costs. There is typically a grace period of 20-55 days before interest is charged on purchases, allowing customers to pay their balance in full each month without interest. Different credit cards have varying interest rates, annual fees, rewards programs, minimum payments, and grace periods. While credit cards provide benefits like rewards, their disadvantages include potential interest charges and fraudulent activity risks.
Debit card. Ravi Kumar
This document provides information about debit cards. It defines a debit card as a plastic card that provides an alternative payment method to cash by withdrawing funds directly from a linked bank account. The document outlines different types of debit cards including online debit cards that require electronic authorization for every transaction, offline debit cards that can be used like credit cards, and prepaid debit cards that are loaded with funds. It also discusses advantages like avoiding credit checks and limiting spending to available funds, and disadvantages like potential overdraft fees.
Types of deposits
This document discusses the major types of bank deposits in India including savings accounts, recurring deposits, fixed deposits, and current accounts. It provides details on the key features of each type of account such as interest rates, minimum balance requirements, withdrawal limits, and purposes. Additionally, it mentions some newer deposit products introduced by banks that combine elements of different traditional accounts.
Credit card
Credit cards allow cardholders to make purchases without immediate payment. There are typically three parties involved - the issuing bank, merchant establishments, and cardholder. Cards differ in the credit limits and benefits they provide, from standard to gold, platinum and titanium cards. Cardholders are charged annual, supplementary and late fees. Benefits can include reward points, discounts and insurance. Credit cards provide advantages to all parties by facilitating purchases for cardholders while generating interest and fees for banks, and increased business for merchants. However, cardholders must be careful of heavy interest charges if bills are unpaid and from overspending.
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7.credit card and debit card working and management
7.credit card and debit card working and management
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Credit Card History
Credit cards allow consumers to make purchases and pay back the amount over time, usually with interest. They offer convenience for consumers but can also contribute to debt problems if not managed responsibly. When used wisely, credit cards provide benefits like rewards programs and buyer protections but it is important to pay off balances in full each month to avoid interest charges.
Know Your Credit Cards
This document provides information about credit cards, including their history, key elements, benefits and costs, and modern innovations. It discusses that credit cards originated in the 1950s and were popularized by companies like Diners Club and American Express. A credit card number contains identifying information for the issuer and account. While credit cards provide benefits like rewards and credit lines, they also involve interest costs and fees. Recent innovations include contactless payments, EMV chip technology, mobile wallets, and online security measures. Choosing a card requires understanding one's needs and the card's policies and potential costs.
Tax Credits & Mheg
The document discusses the Low-Income Housing Tax Credit (LIHTC) program, which provides tax credits to developers of affordable rental housing. It outlines key details of the program including eligibility requirements, maximum income and rent limits, types of credits, and how the tax credits are calculated and used to raise equity for development. It also discusses how the nonprofit Midwest Housing Equity Group assists with various aspects of the LIHTC process such as underwriting, identifying financing, and long-term compliance.
Inc Tax History
- Early in U.S. history, most tax revenue came from excise taxes, tariffs, and customs duties rather than income taxes. Income taxes were introduced in 1913 with the ratification of the 16th Amendment.
- The Great Depression led to increased income tax rates throughout the 1930s to boost government revenue amid economic decline. Social Security was also established in 1935 and funded by payroll taxes.
- Over time, the IRS modernized and income tax rates and rules continued to change through legislation like the 1986 Tax Reform Act to balance tax burdens and government spending needs.
Innovation in refrigerators
The document discusses the history and evolution of refrigerator technology from the 18th century to present day. Some key points:
- Artificial refrigeration began in the mid-1750s and the first home refrigerators were invented in 1913.
- In the 1920s, Freon expanded the market and separate freezer compartments became common in 1940.
- Refrigerator designs evolved through the decades to reflect styles and become more advanced, adding features like ice makers, water dispensers, and internet connectivity.
- Current and future refrigerators offer improved freshness control, temperature settings, connectivity, and large capacities.
Refrigerator
The document discusses refrigerators, including their history, common uses, production by country, major manufacturers, types, capacities, applications, and energy efficiency. It notes that refrigerators are commonly used to store foods and beverages as well as medicines at cool temperatures to extend their shelf life. The top refrigerator producing countries are China, the United States, Italy, South Korea, and Turkey. Common refrigerator types include frost-free, direct cool, freezerless, and wine coolers that vary in capacity and features.
The history of refrigerators
The early history of refrigerators involved digging holes in the ground or building structures to store ice cut from frozen ponds in order to preserve food. The first modern refrigerator was designed in 1748, but it wasn't until the late 19th and early 20th centuries that fridges for home use were invented. In the 1920s, self-contained refrigerators and Freon became widespread, expanding the market. Technical advances in the mid-20th century included automatic defrosting and ice making.
Income tax act 1961
Tax is an important source of revenue for governments worldwide. Taxes are collected on income, sales, purchases, and properties to fund government operations. There are two types of taxes: direct taxes which are paid directly by individuals like income tax; and indirect taxes which are passed on through other entities like sales tax. Income tax was first introduced in India in 1860 under British rule to fund expenses from the 1857 rebellion. The current Income Tax Act of 1961 governs income tax in India and has been amended over time. It details the taxation of various types of income for individuals and organizations.
REFRIGERATOR INDUSTRY
This document provides information about refrigerators as a product sector in India. It discusses key details such as prominent players in the market including Videocon, LG, Samsung, Whirlpool and Godrej. It analyzes the market share of companies and regional sales data. A SWOT analysis is presented for the refrigerator sector and individual companies. An operational strategy is outlined covering aspects like location, manufacturing process, marketing strategy and distribution strategy. The document also discusses components and pricing for single and double door refrigerator models. A plant layout, distribution approach and exit strategies are presented.
Light bulbs
Humphrey Davy created the first electric light in 1800 using an arc lamp with wires connected to a battery and charcoal. However, this early design was not practical for home use due to its high power needs. Thomas Edison later developed the incandescent light bulb in 1879 using a carbon filament inside an oxygen-free glass bulb, which could last over 40 hours. Over the decades, light bulbs were improved through new materials and designs like fluorescent lights and LEDs to increase efficiency and capacity.
Income tax-ppt
The document discusses various aspects of income tax in India such as residential status, types of income, tax rates, deductions, and allowances. It provides definitions for key terms, outlines the process for determining residential status, and specifies tax treatment and exemptions for different types of income like salary, gratuity, pension, and perquisites. The document also details income tax slabs and surcharge rates for individuals, HUFs, firms, and companies.
Concepts of Taxation
This document discusses concepts of taxation including definitions, principles, theories, structures, and characteristics of tax systems. It defines taxation as the process by which governments raise revenue to fund expenses through mandatory contributions imposed on individuals and organizations. The key principles discussed are the benefit principle, ability-to-pay principle, and equal-distribution principle. Taxes can be proportional, regressive, or progressive based on rates. The document also outlines forms of tax exemption and avoidance.
Income tax-ppt-revised
The Tax rate have been revised for 2013-14.
The exemption limit has been increased to 2 lakhs .
The second slab has been increased to 5laks
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Accept Credit Card Payments with Credit Card Processing
Credit cards are plastic cards issued by banks that allow cardholders to make purchases and pay for them later. They display the cardholder's name, 16-digit number, expiration date, and security features. Eligibility is based on having a bank account and being deemed creditworthy. Cards can be classified by payment structure, user type, geographic validity, bank partnership, and issuing bank. The credit card transaction process involves a cardholder making a purchase, the merchant processing the transaction and receiving payment from the issuing bank, and the bank billing the cardholder. Credit cards provide convenience for users and guaranteed payment for merchants, but also carry risks like debt and fraud.
Presentation2
Credit cards allow users to make purchases and pay for them later. They are issued by banks and other financial institutions to customers who are deemed creditworthy. When making a purchase with a credit card, the cardholder agrees to pay the issuer back. Issuers charge interest if balances aren't paid in full by the due date. Credit cards come in various types like standard, business, and gold cards. They provide advantages to customers, merchants, and issuers but also carry risks like debt and fraud that require safety precautions.
Vidhi Presentation.pptxbhgegfhwhfghruihfeur
Credit cards allow users to make purchases now and pay for them later. They are plastic cards issued by banks that authorize the holder to buy goods or services on credit. Credit cards display key information like the card number, expiration date, security features, and customer's name. There are various types of credit cards classified by credit recovery method, status, geographical validity, franchise, or issuing entity. Credit cards provide advantages like convenience and access to credit for customers, merchants, and banks, but also risks like theft, fraud, and debt for these groups.
Credit cards and stock market operation
This document provides an overview of credit cards including:
1. It discusses the history and evolution of credit cards from their origins in the 1950s to widespread adoption globally.
2. Key details about credit cards are explained such as what they are, eligibility requirements, classification based on various factors like issuer or validity, the credit card cycle and parties involved.
3. Various types of credit cards are defined like standard, premium, gold, platinum, silver, rewards, business, prepaid, corporate, smart and virtual credit cards. Advantages, disadvantages and safety tips are also summarized.
Credit card industry uwsb
1) The credit card industry in India is growing, with over 24 million cards in circulation, though acceptance is still limited to about 28% of the population.
2) Credit card transactions involve cardholders, merchants, acquirers, card associations, and issuers, with information and funds flowing through the card associations.
3) The basic process includes authorization of transactions, batching of transactions, clearing and settlement between issuers and acquirers, and funding of merchants.
Credit card industry
1) The credit card business in India is growing, with over 24 million cards in circulation, though only 28% of Indians have one. Non-payment rates rose 20% between 2008-2009.
2) Credit card transactions involve cardholders, merchants, acquirers, card associations, and issuers. Transactions are authorized, batched, cleared and settled through the card network before the merchant receives payment less fees.
3) There are various types of credit cards including cash back, premium, airline, business, and secured cards that have different benefits, requirements, and interest structures.
Consumer credit
This document discusses consumer credit, credit cards, and debit cards. It defines consumer credit as money, goods, or services provided in lieu of payment for non-investment purchases that depreciate quickly, excluding real estate or investment debts. Credit cards allow cardholders to make purchases on credit and pay later, while debit cards provide electronic access to bank accounts. The key differences are that credit cards involve revolving balances and interest charges, while debit cards deduct funds directly from existing balances.
E commerce
The document discusses various electronic payment systems used in e-commerce. It describes the meaning of electronic payments and some common modes of electronic payments including e-cash, credit cards, debit cards, smart cards, e-wallets, and electronic funds transfer. For each payment mode, it provides details on how they work, their advantages and disadvantages. The key electronic payment modes covered in the document are e-cash, credit cards, debit cards, smart cards, and e-wallets. It provides an overview of these different payment options and factors to consider when using them.
Fms
This document summarizes different types of plastic money such as credit cards, debit cards, prepaid cash cards, and charge cards. It discusses the birth of plastic money in the 1950s with the Diners Club card and outlines the key parties involved in plastic money transactions such as cardholders, card-issuing banks, acquiring banks, and credit card associations. The document also differentiates between credit cards and debit cards and provides examples of different types of plastic money cards such as ATM cards, global cards, and Diners Club cards. It discusses advantages like purchasing power and convenience as well as disadvantages including complicated terms and increased debt.
E commerce
This document discusses different electronic payment systems used in e-commerce. It describes e-cash, credit cards, debit cards, smart cards, e-wallets, and electronic funds transfer. It provides details on credit cards and debit cards, including how they work, their advantages and disadvantages. Credit cards offer benefits like easy access to credit, rewards programs, and purchase protection, but can also lead to debt issues if not managed properly due to high interest rates and potential overspending. Debit cards provide convenience but have limitations like restricted funds access and potential fees for using other banks' ATMs.
Credit Cards Banking
Credit cards originated in the United States in the early 20th century when department stores issued metal plates to loyal customers, allowing them to buy on credit. Later, banks introduced general-use credit cards that could be used at multiple merchants. Credit cards offer convenient credit and a way to track expenses, and are accepted worldwide with various credit limits and rewards programs. There are standard credit cards as well as specialized cards like balance transfer cards, rewards cards, secured cards for those with poor credit, and business or student cards designed for specific users.
Banking project on Credit Cards
Payment Due is up
to Rs. 2000
Rs. 400 if Total
Payment Due is
between Rs. 2001
- Rs. 5000
Rs. 600 if Total
Payment Due is
Rs. 5001 or more.
Payment Due is up
to Rs. 2000
Rs. 400 if Total
Payment Due is
between Rs. 2001
- Rs. 5000
Rs. 600 if Total
Payment Due is
Rs. 5001 or more.
Payment Due is up
to Rs. 2000
Rs. 400 if Total
Payment Due is
between Rs. 2001
- Rs. 5000
Rs. 600 if Total
Payment Due is
Rs. 5001 or more.
credit card.pptx
The document provides information about credit cards, including their concept, history, types, features, eligibility requirements, application process, how to build credit history, and advantages and disadvantages. Some key points:
- Credit cards allow cardholders to borrow money within a set credit limit and pay it back over time, with interest charged on unpaid balances.
- The first credit cards emerged in the late 1800s and early 1900s, with modern revolving credit cards appearing in the 1950s. Over 1.2 billion credit cards are now in circulation in the US.
- Cards are classified as charge cards or revolving credit cards depending on interest charges and payment timelines. Eligibility depends on factors like income, credit
Merchant banking unit 5 other fund based financial services
This document provides information about consumer credit and credit cards. It defines consumer credit as loans provided by banks or financial institutions to consumers for purchasing consumer goods. It discusses the characteristics of consumer credit transactions including parties involved, payment structures, repayment periods, security, and eligibility criteria. It also describes different types of credit cards such as charge cards, debit cards, deferred debit cards, and affinity cards. Finally, it outlines the benefits of credit cards for customers, sellers, wholesalers, manufacturers, commercial banks, the central bank, government, and the overall economy.
debit and credit differences.pptx
Credit and debit card
1. 1. A PRESENTATIPON ON CREDIT AND DEBIT CARD
2. 2. Debit Card • Debit card allows direct withdrawal of funds from a customer’s bank account. It is a special plastic card connected with electro-magnetic identification that one can use to pay for purchases directly from his bank account. • It is used as Electronic check the funds are withdrawn directly from the account. (BANK CARD or CHECK CARD) • Instant withdrawal of cash, acting as the ATM • No annual fee.
3. 3. Types of Debit Cards • Pin only debit cards • Dual-use cards • Prepaid debit card • Online /offline debit cards and others
4. 4. Credit Card • Credit Card is a plastic card that allows its holder to buy goods or services on credit from approved sales outlets and to pay at fixed intervals through the bank. • Card Holder can borrow money for payment to a merchant and then pay it later with interest. No interest charge if the full payment is made by the due date. Some banks make a specific annual charge to their Card holders.
5. 5. Types of Credit Cards • Standard Credit Card • Premium Credit Card • Limited Purpose Credit Card • Specialty Credit Card
6. 6. Standard Credit Cards • Standard credit cards are the general purpose cards They are issued to those people whose age is above 18 year or exceed the financial institution's minimum credit criteria. No deposits are needed and the credit limit is established by the credit card issuer.
7. 7. Premium Credit Card • ". They are generally referred to as "upscale". They are offered to consumers with excellent credit, which means they've retained this standing for few years, and can afford high credit limit. These consumers typically have huge salaries and are heavy spenders and travelers. The interest and annual fees, however, tend to be high. • Example: Gold And Platinum Cards
8. 8. Limited Purpose Credit Card • Limited Purpose credit cards can only be used at specific locations. The card is used with a minimum payment and finance charge. • Example: Store Credit Cards and Gas Credit Cards
9. 9. Specialty Credit Cards Specialty cards typically are offered through affiliations, partnerships, major brand retailers or service providers. specialty credit cards share a partnership between organizations that support a social cause, professional organization or an alumni association.
10. 10. Transaction and Parties involved • Merchant • Acquirer • Issuer • Cardholder
11. 11. Transaction Processing
12. 12. Difference Between Credit Card and Debit Card Credit Card Debit Card Credit card is issued by a bank or financial institution to the holder of the card to purchase goods and services on credit. The payment is made by the bank on the customer’s behalf. Debit card is issued by a bank to allow its customers to purchase goods and services, whose payment is made directly through the customer’s account linked to the card. Transactions are of credit Nature. Transactions are of Debt Nature. Risk of overspending. No or Less risk of over
plastic money
This document discusses the history and types of plastic money. It begins by defining plastic money as credit or debit cards made of plastic that provide an alternative to cash payments. It then outlines five main types of plastic cards: cash/ATM cards, credit cards, debit cards, in-store cards, and prepaid cash cards. For each type, it describes how they work, examples, and merits and demerits for customers. The document also reviews several academic studies that have examined factors influencing plastic money usage, such as income, education, and urban vs rural locations. Finally, it provides a bibliography of additional resources on the topic of plastic money.
Consumer credit
The presentation include brief of the consumer credit its meaning ,its types and further brief. It will not give detail notes about all but yes brief of everything is included.
If you think it is helping you out please let me know and also if any other topics which you think i should cover suggest me. your suggestions will be noted.
Plastic money sign of modernizing economy
Plastic cards like credit cards, debit cards, and smart cards are innovative payment tools introduced by banks that allow customers to make payments without cash. They provide purchasing power and convenience by allowing online and in-store purchases. However, plastic money also carries risks like debt, high interest rates, and potential for fraud. To promote a less-cash society, the Reserve Bank of India plans to provide card payment machines to one crore retail businesses in the next three years and equip all schools and colleges to accept card payments.
All about Credit Cards
The document discusses the different types of payment cards available, including credit cards, charge cards, ATM cards, debit cards, and prepaid cards. Credit cards provide a line of credit up to a spending limit and require minimum monthly payments, while charge cards require payment in full each month. ATM cards access bank accounts at ATMs, and debit cards allow direct payments from checking accounts. Prepaid cards work like debit cards but are funded with deposits instead of a bank account. The document also notes various fees associated with different card types and importance of researching terms before applying.
Similar to Credit Card (20)
A credit card processing expert jay wigdore with risk assessment experience
A credit card processing expert jay wigdore with risk assessment experience
Accept Credit Card Payments with Credit Card Processing
Accept Credit Card Payments with Credit Card Processing
Merchant banking unit 5 other fund based financial services
Merchant banking unit 5 other fund based financial services
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Credit Card
- 1. Credit Card By: Harsh Gupta Himanshu Chugh
- 2. Credit A legal agreement to receive cash, goods, or services now and pay for them in the future.
- 3. Credit Cards Plastic cards with electronic information that can be used by the holder to make purchases or obtain cash advances using a line of credit made available by the card-issuing financial institution.
- 4. Debit Cards Debit cards are plastic cards with electronic information, that look very similar to credit cards, that you can use to take money out against your checking account. When you swipe your debit card remember that the money is taken immediately from your checking account.
- 5. History of Credit Card Invented in 1887 by Edward Bellamy. 1st - credit card - 1920s in US. Bank of America - BankAmericard in 1958 Chargex – Visa Card MasterCard - 1966 Group of Banks in US In 1966 - 1st Non-US Credit Card was issued by Barclays’ Bank in the UK.
- 6. Particulars Displayed On Credit Cards Name of the customer 16-digit card number Validity date The VISA hologram and the VISA logo Name of the issuing bank Signature period Magnetic strip PIN
- 7. CREDIT CARD NUMBER STRUCTURING 1ST – 6 No’s – Issuing bank code. Next – 9 No’s – Individual A/c No. Final Digit – Validity Check Code. Extra Codes - Will be Issue & Security Codes. The size of most credit cards is 3 3⁄8 × 2 1⁄8 in (85.60 × 53.98 mm)
- 8. CLASSIFICATION OF CREDIT CARDS Based on mode of credit recovery Based on status of credit card Based on geographical validity Based on franchise/ Tie-up Based on issuer Category Charge Card Revolving credit card Standard Card Domestic card International Card Individual Cards Corporate Cards Proprie-tary card Business Card Gold Card Master Card VISA Card Domestic Tie-up Card
- 9. Based on mode of credit recovery Charge Card- A card that charges no interest but requires the user to pay his/her balance in full upon receipt of the statement, usually on a monthly basis. While it is similar to a credit card, the major benefit offered by a charge card is that it has much higher, often unlimited, spending limits. Revolving credit card- A line of credit where the customer pays a commitment fee and is then allowed to use the funds when they are needed. It is usually used for operating purposes, fluctuating each month depending on the customer's current cash flow needs
- 10. Based on status of credit card Standard Card- It is a generally issued credit card. Business Card(Executive cards)- It is issued to small partnership firms, solicitors, tax- consultants ,for use by executives on their business trips. Gold Card- A credit card issued by credit card companies to favoured clients, entitling them to high unsecured overdrafts, some insurance cover, etc.
- 11. Based on geographical validity Domestic card- Cards that are valid only in India and Nepal are called domestic cards. International Card- Credit Cards that are valid internationally are called international cards.
- 12. Based on franchise/ Tie-up Proprietary card- A bank issues such cards under its own brands. Eg. SBI card, Cancard of canara bank. Master Card- This card is issued under the umbrella of “MasterCard International” VISA Card – It is issued by any bank having tie up with “VISA international” Domestic Tie-up Card- It is issued by any bank having tie up with domestic credit card brands such as CanCard and IndCard.
- 13. Based on issuer Category Individual Cards- Non-corporate cards that are issued to individuals. Corporate Cards- Issued to corporate and business firms.
- 14. Credit card cycle Credit purchase • Purchase of goods and service on card. Credit card processing • Merchant delivers goods after taking an authenticated credit card and noting the number and taking signature on certain forms. Bill raising • Merchant raises the bill for the purchase and sends it to the credit card issuing bank for payment Payment • Issuing bank pays amount to the merchant establishment Bill to card holder • Issuing bank raises bill on the credit cardholder and sends it for payment Card payment • Credit card holder makes the payment to the issuing bank
- 15. Grace period A credit card's grace period is the time the customer has to pay the balance before interest is assessed on the outstanding balance. Grace periods may vary, but usually range from 20 to 55 days depending on the type of credit card and the issuing bank.
- 16. Advantages To Cardholders : Simple, convenient and can be substituted for cash. Convenient method of payment. Quick way to borrow. Credit cards issued by leading banks are acceptable in many countries Holders can withdraw cash from any branch of major banks worldwide. Issuer of card provides 24 hrs customer helpline available across the world in case of any emergency.
- 17. To credit card companies/ Banks : Source of revenue - Joining fee - Card renew fee - Services charges from retailers - Interest charged to customer
- 18. DISADVANTAGES Hidden costs. A debt trap for the cardholder. Cases of fraud are extremely common today. Credit cards can be used at ATM cards, but considerable processing fee required.
- 19. THANK You..!! HAPPY DIWALI
Editor's Notes
- visual design.