Private banking originated in the earliest era of the Crusades, when European aristocrats were to lead troops to battle, will be delivered to homes and property left to take care of the aristocracy, which first appeared in private banking. With times changing, the modern private bank has a new meaning. In a narrow, private banking is to reach a certain level of wealth for the disposal of assets of individuals and their families to provide one-on-one service for its search for innovative, in line with the characteristics of their own wealth management, as well as the development of new next-generation The source of wealth. Broadly speaking, private banks are able to integrate all channels and the integration of resources to provide customers with exclusive full-service financial institutions.
Some people believe that private banking is best for the rich to provide ultra-high yield financial products directly to the private bank to see whether it is high-yield plus capital preservation products, to an annual profit. This is a private bank on the understanding of common errors. The same is true of financial management, it is not possible to have the perfect solution to all financial products, financial management, high-yield must be accompanied by a high-risk, it is impossible to have all the appropriate financial management program for each client should be tailored, right, this is the private Bank financial services where the true meaning. In fact, private banking is not a money-making machines, private banking is not a more complex system of platforms, dazzling combination of products to allow customers to more than double the assets of a night of gambling sites. "Personal" cover the operations of the three major characteristics: private, unique, professional, it is more important than long-term asset allocation and investment to update the concepts in order to achieve wealth for the long-term planning and management of the consolidated financial The ultimate goal to reach.
Private Banking is such an art. Private banking clients as manager of the family doctor for the family through financial Wang Wen asked to do all diagnostic analysis to find the financial problems, with value-added services and the concept of family heritage, to take into account the financial effects of wealth and good nutrition to solve financial problems Diseases, to help customers take care of wealth, business development and improve the quality of life, their children cultivate and enhance the growth of the Evergreen family of good physical condition.
Wednesday, November 12, 2008
Dishonest one time, "tainted credit" will follow you for life?
On one occasion dishonest, may be for a period of time on your credit activities are affected. But at the same time you should believe that commercial banks will be integrated into all aspects of judging them in a rational manner. The so-called "tainted credit" absolutely not with people all his life. General negative 7 record-keeping, bankruptcy records in general preserve for 10 years. Therefore, should never be discouraged, you can start again!
Shall I need to apply for building a personal credit records
Do not need to. As long as you apply for bank loans, credit cards, secured credit, such as business, your information will be automatically sent to the bank through the personal credit information database.
Friendly Tip: Do not believe the other organizations of illegal propaganda, were taken to guard against.
Friendly Tip: Do not believe the other organizations of illegal propaganda, were taken to guard against.
How to get a good personal credit record
If possible, as soon as possible to build your credit record. The simplest way is the relationship with a bank loan, for example, can apply for a credit card or bank loan. Would like to clarify here is: do not borrow money from banks like Credit is not the same. Because there is no historical record of the credit, banks will lose one of your credit situation to determine the easy way.
If you have money in arrears, the arrears will be paid as soon as possible. You also need to build their own (pay), plans to return in time credit card loans and overdrafts amount of time to pay various fees. Otherwise, a delinquent borrower, and so on will be accurately reflected in your credit report, your credit activity adversely affected.
If you have established credit file, please be concerned about their credit records. Due to some unavoidable reasons, the credit report information may be wrong. Once their personal credit records of the error as soon as possible to provide contact credit reporting agencies, in a timely manner to correct the wrong information, so as not to be adversely affected their own.
If you have money in arrears, the arrears will be paid as soon as possible. You also need to build their own (pay), plans to return in time credit card loans and overdrafts amount of time to pay various fees. Otherwise, a delinquent borrower, and so on will be accurately reflected in your credit report, your credit activity adversely affected.
If you have established credit file, please be concerned about their credit records. Due to some unavoidable reasons, the credit report information may be wrong. Once their personal credit records of the error as soon as possible to provide contact credit reporting agencies, in a timely manner to correct the wrong information, so as not to be adversely affected their own.
Good credit record will bring you what benefit
Good credit records of individuals to the greatest advantage is that the accumulation of personal wealth credibility. In general, in order to guarantee their loans, banks only provide you with sufficient collateral for the loan only after you may have. If you have a good credit record can make you believe that the bank will repay on time, even if you can not provide collateral material, the bank will give you the loan. As a result, a good credit history as the "reputation collateral", to help you get bank loans.
In addition, a good credit history will enable you to enjoy the benefits of financial services, bank loans in the size, duration and interest rates as a result of change and think there will be a certain degree of flexibility and preferential treatment.
In addition, a good credit history will enable you to enjoy the benefits of financial services, bank loans in the size, duration and interest rates as a result of change and think there will be a certain degree of flexibility and preferential treatment.
Tuesday, November 11, 2008
What can do after improve the quality of the personal credit report
First,when apply for loans and credit cards business, provide the bank correct personal information and update your information in time.
Second, always concerned about your credit history, inquiries on a regular basis your credit report.
Third, after found that your credit report errors,timely report and apply for correction.
Second, always concerned about your credit history, inquiries on a regular basis your credit report.
Third, after found that your credit report errors,timely report and apply for correction.
Personal credit report of the error would affect the credibility of my life?
Personal credit reports may be wrong, before the correction of error, maybe bring you a temporary inconvenience; but once corrected, the error message will no longer be reflected in your credit report, which will not affect the credibility of your life .
Why personal credit report errors
First of all, to believe that no one would intentionally made a mistake on your credit report. The cause of the problem may come from four aspects:
First, for loans and credit cards business, you provided incorrect information to the bank;
Second, the use of other illegal means, for theft in the name of your loans, credit cards , And other business;
In the third, for loans, credit card business, and so on, the counter staff may have inadvertently information on your entry error;
Fourth, in dealing with computer data due to a technical error occurred for a variety of reasons.
First, for loans and credit cards business, you provided incorrect information to the bank;
Second, the use of other illegal means, for theft in the name of your loans, credit cards , And other business;
In the third, for loans, credit card business, and so on, the counter staff may have inadvertently information on your entry error;
Fourth, in dealing with computer data due to a technical error occurred for a variety of reasons.
Beside myself, who else can see my credit report
Commercial banks. Commercial banks in the review of your credit application, can look at your credit report, after your written authorization; If you are already a commercial bank loan customers, or its credit card holders, which commercial banks can also Look at your credit report, but do not need your authorized in writing. Of course, you can made available for other agencies to see on your own will .
What is personal credit report
Personal credit report is your "credit files" comprehensive, objective record of your credit activities, such as the repayment of principal and interest loans, credit cards, such as the amount of overdraft. Include the following information: your basic information: your name, identification numbers, home address, work units and so on. This information told commercial banks, "who you are."
Friendly Tips: To avoid unnecessary trouble, please do not lend your own identification cards, identification cards because the number of credit reports is an important identification information. At the same time, when you are in the process of banking, accurately and truthfully fill out basic personal information, changes in a timely manner with the bank to update information, which not only help you to prevent identity fraud, theft, and help commercial banks to verify the accuracy of your identity.
Your loan information in bank : When and loan number in which bank,how much repayed, how much shall also not, as well as the monthly repayments, and so on.
Your credit card information: You apply for a credit card, which banks, credit card overdrafts and the amount of your repayment record, and so on.
You open a bank account billing information: your name, identification numbers, bank codes, such as account opening date, the settlement does not include your account access, transfer and payment of the balance of information.
Your credit report inquiries were recorded: the computer will automatically record "when, where, for whatever reason" to view your credit report.
Friendly Tips: To avoid unnecessary trouble, please do not lend your own identification cards, identification cards because the number of credit reports is an important identification information. At the same time, when you are in the process of banking, accurately and truthfully fill out basic personal information, changes in a timely manner with the bank to update information, which not only help you to prevent identity fraud, theft, and help commercial banks to verify the accuracy of your identity.
Your loan information in bank : When and loan number in which bank,how much repayed, how much shall also not, as well as the monthly repayments, and so on.
Your credit card information: You apply for a credit card, which banks, credit card overdrafts and the amount of your repayment record, and so on.
You open a bank account billing information: your name, identification numbers, bank codes, such as account opening date, the settlement does not include your account access, transfer and payment of the balance of information.
Your credit report inquiries were recorded: the computer will automatically record "when, where, for whatever reason" to view your credit report.
What bank loans decision based on
Bank decide whether or not lending to you for the main consideration in the following areas:
Bank credit policy: a bank willing to give the crowd the type of loan. For example, some banks are willing to give students credit card payment, some banks do not want to. Bank lending policy by the Bank's own ability to manage its market position, and other factors.
The borrower's basic situation: the nature of the borrower's living situation, financial situation, and so on;
The borrower's credit: the borrower's current debt level;Whether had credit history that not repay after debt and so on.
As a result, your credit report only one of references to help the bank make credit decisions,not the only basis.
Bank credit policy: a bank willing to give the crowd the type of loan. For example, some banks are willing to give students credit card payment, some banks do not want to. Bank lending policy by the Bank's own ability to manage its market position, and other factors.
The borrower's basic situation: the nature of the borrower's living situation, financial situation, and so on;
The borrower's credit: the borrower's current debt level;Whether had credit history that not repay after debt and so on.
As a result, your credit report only one of references to help the bank make credit decisions,not the only basis.
Monday, November 10, 2008
What is credit? Why do we need credit?
If you borrow money from banks, the banks need to know who you are; determine whether you need to be able to pay back the money on time; ago by whether the money is not there yet does not have to borrow money, and so on the record.
Before the appearance of credit, you have to prove a wide range of materials that the bank provided: The proved of your company, the prove of your wage and so on; banks have to call your company ...... visits for two weeks, or even a longer period of time , The bank will tell you whether or not borrow money to you. Banks really tired, you also tired,it's really troublesome to borrow money.
Well now,with the emergence of credit, bank can simply know your credit: they have their hands on your credit information to a specialized agency of the summary by the specialized agencies to you to create a "credit files" (That is, the personal credit report), and then made available to banks to use. Such banks through third-party credit agencies to share information on the activities of credit is in order to improve efficiency and save time, you work a little faster. With the intervention of credit institutions, with credit reports, you borrow money to the bank, with your consent, the bank can look up your credit report, take a moment to re-verify some of the key issues will be Quickly tell you whether a bank loan made available to you. Bank easier, you less bother.
Before the appearance of credit, you have to prove a wide range of materials that the bank provided: The proved of your company, the prove of your wage and so on; banks have to call your company ...... visits for two weeks, or even a longer period of time , The bank will tell you whether or not borrow money to you. Banks really tired, you also tired,it's really troublesome to borrow money.
Well now,with the emergence of credit, bank can simply know your credit: they have their hands on your credit information to a specialized agency of the summary by the specialized agencies to you to create a "credit files" (That is, the personal credit report), and then made available to banks to use. Such banks through third-party credit agencies to share information on the activities of credit is in order to improve efficiency and save time, you work a little faster. With the intervention of credit institutions, with credit reports, you borrow money to the bank, with your consent, the bank can look up your credit report, take a moment to re-verify some of the key issues will be Quickly tell you whether a bank loan made available to you. Bank easier, you less bother.
What including in Your credit record
In some countries, the main credit reference agency to collect the so-called "negative data", that is, the consumer credit does not fulfill the responsibility of the debt records. In other countries, is also a credit reference agency to collect "positive information", including the Consumer Credit's credit standing, such as credit limit, as well as the balance of the loan repayment records.
As the availability of more comprehensive information, including the borrower's credit history and borrowing all the positive and negative information, financial institutions can more accurately assess the borrower's personal credibility and even their credit quality charges. When financial institutions can charge to reflect the different credit risks, most of the good credit borrowers can get better loan conditions and banking services.
A typical credit records in their personal capacity, including basic information such as name, address and identity card numbers and other information can include phone number, previous address and credit information. Credit records also include personal information in the past and present credit, the credit agencies, the repayment habits, did not have to carry out its responsibilities as well as the outstanding debt enjoyed by the line of credit.
As the availability of more comprehensive information, including the borrower's credit history and borrowing all the positive and negative information, financial institutions can more accurately assess the borrower's personal credibility and even their credit quality charges. When financial institutions can charge to reflect the different credit risks, most of the good credit borrowers can get better loan conditions and banking services.
A typical credit records in their personal capacity, including basic information such as name, address and identity card numbers and other information can include phone number, previous address and credit information. Credit records also include personal information in the past and present credit, the credit agencies, the repayment habits, did not have to carry out its responsibilities as well as the outstanding debt enjoyed by the line of credit.
Several stages which the evolution of credit card has gone through
Resulting from the credit card has experienced a continuous historical process of development of the process to the following stages:
(1) to commercial credit in the form of a stage;
(2) of bank credit cards in the form of ordinary stage;
(3) magnetic card stage;
(4) smart card (IC card) stage.
(1) to commercial credit in the form of a stage;
(2) of bank credit cards in the form of ordinary stage;
(3) magnetic card stage;
(4) smart card (IC card) stage.
Is credit card a homogeneous financial product?
Credit card is not completely homogeneous financial products. Credit card, including a full set of financial services, even with a credit card issuers to issue different types of credit cards, they will not be exactly the same, in addition to the credit card price and cost competitiveness of the most basic of these factors, some of the non-price competitiveness factors Can not be ignored, and all of these competitive factors are leading to different credit quality of the root causes of these differences in the final analysis, stems from the different needs of the card, the credit card type, rate, functions, applications, services and so on foot factor Led to the surface of the card is no different in different connotation.
What is the difference between credit card and bill
1. Credit card is a commodity, is a special financial product, which use the money to buy, but the bill is not commoditie;
2. Bills as a means of payment, in a role to play, subject to time and space, limit the amount and beneficiaries of a certain period of time specified by the beneficiary to determine in advance of any case where an instrument by the amount paid to. The credit card abandon the limitations of the instruments it bills as not only has a one-time use, but can be used many times, in different places and different businesses to pay many times that amount is not fixed, the beneficiary can be Many different people, it notes the significant features of the development;
3. Bills of credit as a tool to pay only when they serve a useful purpose is not only a credit card payment, clearing tools, but also the role of consumer credit, any instrument, do not have the Currency and bill.
2. Bills as a means of payment, in a role to play, subject to time and space, limit the amount and beneficiaries of a certain period of time specified by the beneficiary to determine in advance of any case where an instrument by the amount paid to. The credit card abandon the limitations of the instruments it bills as not only has a one-time use, but can be used many times, in different places and different businesses to pay many times that amount is not fixed, the beneficiary can be Many different people, it notes the significant features of the development;
3. Bills of credit as a tool to pay only when they serve a useful purpose is not only a credit card payment, clearing tools, but also the role of consumer credit, any instrument, do not have the Currency and bill.
What is the difference between Cash and credit cards, checks
As a payment tool credit card has become widespread in many countries in the economic indispensable means of exchange, compared with cash and checks, it is able to provide consumers and businesses, bringing more convenience to fully reflect the superiority of the credit card.
1.In terms of size, weight or amount, cash is more thick and complex than credit card;
2. Cash easily be stolen, but also difficult to recover;
3. Check their own shortcomings. First, check is not easy to carry, and the other is difficult to check the use of cross-regional, mainly to guard against the risk of bad checks. Check guarantee services only partially to guard against the risk of bad checks, and the high cost of security, usually 1% -2.2%, with a high degree of risk of the drawer even have to pay as much as 5% of the guarantee fee;
4. The use of credit card promoted the use of mail order, phone orders and on-line shopping and so on the way.Before the credit card appear people must be made in the list after completing the purchase of goods and mail it along with check out this extremely time-consuming. Through credit card transactions can greatly save time and improve transaction efficiency.
1.In terms of size, weight or amount, cash is more thick and complex than credit card;
2. Cash easily be stolen, but also difficult to recover;
3. Check their own shortcomings. First, check is not easy to carry, and the other is difficult to check the use of cross-regional, mainly to guard against the risk of bad checks. Check guarantee services only partially to guard against the risk of bad checks, and the high cost of security, usually 1% -2.2%, with a high degree of risk of the drawer even have to pay as much as 5% of the guarantee fee;
4. The use of credit card promoted the use of mail order, phone orders and on-line shopping and so on the way.Before the credit card appear people must be made in the list after completing the purchase of goods and mail it along with check out this extremely time-consuming. Through credit card transactions can greatly save time and improve transaction efficiency.
What is the difference between Credit card and monetary?
Although the monetary and credit cards are closely linked, but there is, after all, the essence of the difference between:
1. First of all, monetary is to act as a medium of general equivalent in exchange, the measure of value function is the most basic functions of the currency, and credit card is different, it is not equivalent, there is no measure of value, but only a means of value transfer, is the currency of the carrier;
2. Secondly, as the liquidity, currency and commodities in the buying and selling between those who campaign for transposition, and credit cards are always a part of the masters of the media as a commodity to complete the transaction, the value of the transfer, credit card did not transfer, It is still the currency of the media and the transposition of the movement of goods;
3. Again, is an advanced credit card payment, which is the monetary means to pay for the expansion and extension of the limitations of monetary breakthrough may be in one place or many places for its holder to complete the transaction, In the credit line with banks to a greater or lesser amount of money in exchange for cardholders to pay the required goods and services. In the same card services, it means the currency of payment in time and space has expanded significantly;
4. Finally, the layout of the card have the means to store it for customer service, enforced by a mere role of passbook savings;
5. It will not be a world currency. Although the credit card to break the frontiers in the international community widely used, but it does not have a measure of value, it is still the transfer of currency, the currency in the implementation of its functions, the currency of the world continues to be a means of payment.
1. First of all, monetary is to act as a medium of general equivalent in exchange, the measure of value function is the most basic functions of the currency, and credit card is different, it is not equivalent, there is no measure of value, but only a means of value transfer, is the currency of the carrier;
2. Secondly, as the liquidity, currency and commodities in the buying and selling between those who campaign for transposition, and credit cards are always a part of the masters of the media as a commodity to complete the transaction, the value of the transfer, credit card did not transfer, It is still the currency of the media and the transposition of the movement of goods;
3. Again, is an advanced credit card payment, which is the monetary means to pay for the expansion and extension of the limitations of monetary breakthrough may be in one place or many places for its holder to complete the transaction, In the credit line with banks to a greater or lesser amount of money in exchange for cardholders to pay the required goods and services. In the same card services, it means the currency of payment in time and space has expanded significantly;
4. Finally, the layout of the card have the means to store it for customer service, enforced by a mere role of passbook savings;
5. It will not be a world currency. Although the credit card to break the frontiers in the international community widely used, but it does not have a measure of value, it is still the transfer of currency, the currency in the implementation of its functions, the currency of the world continues to be a means of payment.
Credit card can be seen as monetary?
Yes. Credit card can also be known as electronic money,why the credit cards can be seen as monetary?
1. First of all, monetary and credit cards are a commodity, and are vectors acted as a special commodity exchange;
2. Credit card is also involved in circulation;
3. Credit card as a means of payment, is an advanced means of payment;
In view of the above-mentioned features of credit cards, making credit card as a medium of exchange, to a large extent, scope and replace the cash flow of cash into the so-called free society, so people just look at it as a new currency after the paper currency.
1. First of all, monetary and credit cards are a commodity, and are vectors acted as a special commodity exchange;
2. Credit card is also involved in circulation;
3. Credit card as a means of payment, is an advanced means of payment;
In view of the above-mentioned features of credit cards, making credit card as a medium of exchange, to a large extent, scope and replace the cash flow of cash into the so-called free society, so people just look at it as a new currency after the paper currency.
What are the advantages of credit cards
Credit cards have advantages:
1. Cardholders do not have to be paid in cash on goods and services, replacing the consumer volume of cash in hand and risk make it easier for the consumer to go shopping, travel and tourism.
2. Can also be used as banks for credit card holders and businesses of the means of customer deposits, advances and charge a certain percentage of the total amount of commission.
3. The credit card issuing banks, merchants and cardholders, charge d'affaires line closely linked, form the cycle of the chain of debt claims related to this relationship and the establishment and development depend on each other to provide credit .
1. Cardholders do not have to be paid in cash on goods and services, replacing the consumer volume of cash in hand and risk make it easier for the consumer to go shopping, travel and tourism.
2. Can also be used as banks for credit card holders and businesses of the means of customer deposits, advances and charge a certain percentage of the total amount of commission.
3. The credit card issuing banks, merchants and cardholders, charge d'affaires line closely linked, form the cycle of the chain of debt claims related to this relationship and the establishment and development depend on each other to provide credit .
Sunday, November 9, 2008
the contents of Credit card surface
In front of credit card, generally including the following:
(1) a registered trademark of credit card and credit card organizations design logo;
(2) credit card or sign a dedicated anti-counterfeiting marks;
(3) the code bank of the card-issuing bank (or company) , credit card number, cardholder name, expiration date and so on.
On the back of credit card, there are the following:
(1) a magnetic tape, recorded above the cardholder's account, the amount available for personal information such as passwords;
(2) credit card signature, the signature column, keep up with the end of the 3-digit card number for security certification;
(3) simple state of the card-issuing bank;
(4) 24-hour customer service hotline
(1) a registered trademark of credit card and credit card organizations design logo;
(2) credit card or sign a dedicated anti-counterfeiting marks;
(3) the code bank of the card-issuing bank (or company) , credit card number, cardholder name, expiration date and so on.
On the back of credit card, there are the following:
(1) a magnetic tape, recorded above the cardholder's account, the amount available for personal information such as passwords;
(2) credit card signature, the signature column, keep up with the end of the 3-digit card number for security certification;
(3) simple state of the card-issuing bank;
(4) 24-hour customer service hotline
The five major international credit card brand
1. Visa (VISA)
Visa is the world's most famous brands to pay, Visa and Visa merchants all over the world, ATM, as well as members of financial institutions to work together to make this dream come true.
Visa global electronic payment network-VisaNet-one of the world's most extensive coverage, the most powerful and most advanced consumer payment processing system, so that you continue to carry out the Visa global cartoon row. At present, there are more than 2,000 of the world 10,000 merchants to accept Visa cards, there are more than 840,000 ATM all over the world. Therefore, Visa's global network so that no matter where you can easily use the Visa card.
Visa International card issuers are not directly involved in the organization itself. In the Asia-Pacific region, Visa international organizations have more than 700 members of various financial institutions to issue Visa payment, including credit cards, debit cards, corporate cards, business cards and purchasing cards. These products will allow you to spend money in a more secure, convenient and reliable.
Visa in 1993 and 1996 in Beijing and Shanghai to set up representative offices. Visa has a home in the Bank, including the 17 members of the Chinese-funded financial institutions, and 5 foreign bank members. As at the end of March 2005, Visa in the Chinese mainland to issue Visa cards of about 5,400,000, up 17,000 automatic teller machines Taiwan, Visa transactions in the Chinese mainland amounted to 3,200,000,000 U.S. dollars.
2. MasterCard (MasterCard)
MasterCard International Organizations in the late 50's to early 60's created an international credit card system was soon popular in the world. In 1966, formed a bank card association (Interbank CandAssociation) organization, in 1969 the bank card association purchased the patent MasterCharge, the reunification of the credit card issuer's name and design style. 10 years later, the original name MasterCharge renamed MasterCard. MasterCard International is a cover various parts of the world's financial institutions, non-profit-making association, whose members include commercial banks, savings and loan associations, and credit cooperatives. The basic goal always: communication between domestic and foreign members of the bank card information exchange and to enable the agency to issue big or small, can enter the market, bank cards and traveler's checks and development.
MasterCard is a global household name, but 30 years ago it was only a domestic card in the United States, it is well-known MasterCard International has been in service for cardholders conviction, to provide up-to-date card, The most complete payment services, cardholders around the world have been recognized.
3. Diners (DinersClub)
Diners in 1950 by entrepreneur FrankMCMamaca founder, is the first plastic card payments and eventually develop into a international credit card. In 1981 the nation's largest retail bank holding company of Citibank ---- ---- Citibank Card DinersClubIntenational accepted the company. Great card to the company's main advantage is that it has not yet been developed in the region to increase its sales and the consolidation of the company's credit card market by maintaining a strong position. The company through the network to exchange cash and ATM networks formed by mutual agreement in order to strengthen its focus in the international market.
4.JCB (JapanCreditBureau)
In 1961, JCB, as Japan's first specialized credit card company was set up. Since then, it has been the largest since the company's stance that it is truly representative of the Japanese credit card company. In Asia, and its trademark is unique. The scope of its operations around the world in more than 100 countries and regions. JCB credit cards of the kind in the world, reaching more than 5000 kinds. The main strategy JCB International aimed at the working and living abroad, Japan's businessmen and women. In order to establish international status, JCB also of Japan, the United States and Europe, and other priority services to achieve business plans to include in the JCB card to the special tourist guide. Unprecedented quality JCB is the secret of success.
5. American Express Card
Since 1958, to issue the first American Express card, American Express has been so far in 68 countries and regions to 49 kinds of currency issued American Express card, built the world's largest self-contained special business network and has more than 60,000,000 The high-quality group of cardholders. Founded in 1850 the American Express Company, the first business is to provide express delivery services. With the continuous development of business, American Express in 1891 launched the first traveler's checks, mainly for high-end customers often travel. It can be said that American Express customer service at the end of the century-long history, has accumulated a wealth of experience and a large high-quality customer base.
In 1958, American Express launched the first card spending card. With 100 years old and the credibility of the world-renowned brands, Elvis was the most popular ones among the first one of the cardholder, a lot of business travel often become the new American Express card products, the positive applicants. American Express card in the opening, the signing of the network of businesses means more than more than 17,000, in particular the United States of the Union Hotel card 150,000 households and 4,500 members of the hotel's accession to the marked bank cards in the United States was finally accepted by the mainstream business community .
1966 American Express Gold Card issued the first to meet the maturity of higher consumer demand.
In 1984, American Express issued the first in the world's first platinum cards, the cards only for selected members were invited as such, does not accept external applications. In addition to the integration plan and worry-free consumerism, cardholders can enjoy the comprehensive travel services and leisure preferential concessions, special 24-hour Platinum Card Service proper arrangement for the members of the life size matters.
In 1999, American Express Platinum cardholders in the selection of the top customer for them to issue the Centurion Card (CenturionCard). This holds the most senior American Express card products, free access to major cities in the world's top clubs, you can enjoy a unique global top-level personal service and excellent taste of exclusive concessions, including the all-around personal assistant, and enjoy great travel concessions , Leisure concessions, banking services provided by the commissioner of banking and investment services and comprehensive 24-hour support. Platinum Card and American Express Centurion card allows the card to become the spokesman for the distinguished.
American Express Company by virtue of more than 100 years of quality service and innovative management to maintain its "rich man's card" image. American Express has been in the past independent card issuers go on the road, from 1996 until the card issuers and other financial institutions, opening up the network, in 1997 the establishment of the Global Network Services (GNS), allowing partners to issue American Express cards, the use of American Express network of co-lead The growth of business partners, to strengthen its competitive edge and increase profit margins, improve the integration of business management. GNS has been more than 90 countries and 80 partners to establish a strategic partnership. In the Asia-Pacific region 17 countries have 28 partners, including the Industrial and Commercial Bank of China, China Taiwan's Taishin Bank, Hong Kong, China, Dah Sing Bank, Development Bank of Singapore, New Zealand banks, National Australia Bank.
Visa is the world's most famous brands to pay, Visa and Visa merchants all over the world, ATM, as well as members of financial institutions to work together to make this dream come true.
Visa global electronic payment network-VisaNet-one of the world's most extensive coverage, the most powerful and most advanced consumer payment processing system, so that you continue to carry out the Visa global cartoon row. At present, there are more than 2,000 of the world 10,000 merchants to accept Visa cards, there are more than 840,000 ATM all over the world. Therefore, Visa's global network so that no matter where you can easily use the Visa card.
Visa International card issuers are not directly involved in the organization itself. In the Asia-Pacific region, Visa international organizations have more than 700 members of various financial institutions to issue Visa payment, including credit cards, debit cards, corporate cards, business cards and purchasing cards. These products will allow you to spend money in a more secure, convenient and reliable.
Visa in 1993 and 1996 in Beijing and Shanghai to set up representative offices. Visa has a home in the Bank, including the 17 members of the Chinese-funded financial institutions, and 5 foreign bank members. As at the end of March 2005, Visa in the Chinese mainland to issue Visa cards of about 5,400,000, up 17,000 automatic teller machines Taiwan, Visa transactions in the Chinese mainland amounted to 3,200,000,000 U.S. dollars.
2. MasterCard (MasterCard)
MasterCard International Organizations in the late 50's to early 60's created an international credit card system was soon popular in the world. In 1966, formed a bank card association (Interbank CandAssociation) organization, in 1969 the bank card association purchased the patent MasterCharge, the reunification of the credit card issuer's name and design style. 10 years later, the original name MasterCharge renamed MasterCard. MasterCard International is a cover various parts of the world's financial institutions, non-profit-making association, whose members include commercial banks, savings and loan associations, and credit cooperatives. The basic goal always: communication between domestic and foreign members of the bank card information exchange and to enable the agency to issue big or small, can enter the market, bank cards and traveler's checks and development.
MasterCard is a global household name, but 30 years ago it was only a domestic card in the United States, it is well-known MasterCard International has been in service for cardholders conviction, to provide up-to-date card, The most complete payment services, cardholders around the world have been recognized.
3. Diners (DinersClub)
Diners in 1950 by entrepreneur FrankMCMamaca founder, is the first plastic card payments and eventually develop into a international credit card. In 1981 the nation's largest retail bank holding company of Citibank ---- ---- Citibank Card DinersClubIntenational accepted the company. Great card to the company's main advantage is that it has not yet been developed in the region to increase its sales and the consolidation of the company's credit card market by maintaining a strong position. The company through the network to exchange cash and ATM networks formed by mutual agreement in order to strengthen its focus in the international market.
4.JCB (JapanCreditBureau)
In 1961, JCB, as Japan's first specialized credit card company was set up. Since then, it has been the largest since the company's stance that it is truly representative of the Japanese credit card company. In Asia, and its trademark is unique. The scope of its operations around the world in more than 100 countries and regions. JCB credit cards of the kind in the world, reaching more than 5000 kinds. The main strategy JCB International aimed at the working and living abroad, Japan's businessmen and women. In order to establish international status, JCB also of Japan, the United States and Europe, and other priority services to achieve business plans to include in the JCB card to the special tourist guide. Unprecedented quality JCB is the secret of success.
5. American Express Card
Since 1958, to issue the first American Express card, American Express has been so far in 68 countries and regions to 49 kinds of currency issued American Express card, built the world's largest self-contained special business network and has more than 60,000,000 The high-quality group of cardholders. Founded in 1850 the American Express Company, the first business is to provide express delivery services. With the continuous development of business, American Express in 1891 launched the first traveler's checks, mainly for high-end customers often travel. It can be said that American Express customer service at the end of the century-long history, has accumulated a wealth of experience and a large high-quality customer base.
In 1958, American Express launched the first card spending card. With 100 years old and the credibility of the world-renowned brands, Elvis was the most popular ones among the first one of the cardholder, a lot of business travel often become the new American Express card products, the positive applicants. American Express card in the opening, the signing of the network of businesses means more than more than 17,000, in particular the United States of the Union Hotel card 150,000 households and 4,500 members of the hotel's accession to the marked bank cards in the United States was finally accepted by the mainstream business community .
1966 American Express Gold Card issued the first to meet the maturity of higher consumer demand.
In 1984, American Express issued the first in the world's first platinum cards, the cards only for selected members were invited as such, does not accept external applications. In addition to the integration plan and worry-free consumerism, cardholders can enjoy the comprehensive travel services and leisure preferential concessions, special 24-hour Platinum Card Service proper arrangement for the members of the life size matters.
In 1999, American Express Platinum cardholders in the selection of the top customer for them to issue the Centurion Card (CenturionCard). This holds the most senior American Express card products, free access to major cities in the world's top clubs, you can enjoy a unique global top-level personal service and excellent taste of exclusive concessions, including the all-around personal assistant, and enjoy great travel concessions , Leisure concessions, banking services provided by the commissioner of banking and investment services and comprehensive 24-hour support. Platinum Card and American Express Centurion card allows the card to become the spokesman for the distinguished.
American Express Company by virtue of more than 100 years of quality service and innovative management to maintain its "rich man's card" image. American Express has been in the past independent card issuers go on the road, from 1996 until the card issuers and other financial institutions, opening up the network, in 1997 the establishment of the Global Network Services (GNS), allowing partners to issue American Express cards, the use of American Express network of co-lead The growth of business partners, to strengthen its competitive edge and increase profit margins, improve the integration of business management. GNS has been more than 90 countries and 80 partners to establish a strategic partnership. In the Asia-Pacific region 17 countries have 28 partners, including the Industrial and Commercial Bank of China, China Taiwan's Taishin Bank, Hong Kong, China, Dah Sing Bank, Development Bank of Singapore, New Zealand banks, National Australia Bank.
The origin of credit cards
Credit card originated in the United States in 1915.
The agency issued the credit card is not bank from the very beginning, but a number of department stores, restaurants, entertainment and gasoline companies. Some stores in the United States, for the food and beverage outlets to attract customers in the marketing of goods, to increase their turnover, selectively distributed within a certain range of customers similar to a metal emblem credit chips, and later made into a plastic card, as customers buy Certificate of consumer goods, carried out by credit chips in the firm or company or the purchase of petrol station credit services, customers can issue a bargaining chip in these stores and their merchandise credit semicolon, about payments. This is the embryonic form of credit cards.
It is said that one day, the U.S. businessman Frank McNamara, dining with guests in one New York hotel,after dinner he found his wallet was forgot to bring, which is deeply embarrassed, had called his wife to bring cash to closing the hotel. McNamara then had a idea to create a credit card company.In spring of 1950, McNamara and his friends invest Cooperation Schneider 10,000 U.S. dollars in New York created the DinersClub. DinersClub provide members a card which was a proof of identity and ability to pay , card members can book their consumption with the card. The card which is no need to apply in bank is still the nature of the credit card business.
In 1952, California, the Franklin National Bank as a financial institution issue the first credit card. In 1959, America Bank in the United States issued bank cards in California. Since then, many banks joined the ranks of card-issuing bank. By the 1960s, credit card banks will soon be widely welcomed by all sectors of society, and the rapid development of the credit card not only in the United States and the United Kingdom, Japan, Canada and the European countries are also catching on. From the beginning of the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other developing countries and regions have begun to issue credit card business.
The agency issued the credit card is not bank from the very beginning, but a number of department stores, restaurants, entertainment and gasoline companies. Some stores in the United States, for the food and beverage outlets to attract customers in the marketing of goods, to increase their turnover, selectively distributed within a certain range of customers similar to a metal emblem credit chips, and later made into a plastic card, as customers buy Certificate of consumer goods, carried out by credit chips in the firm or company or the purchase of petrol station credit services, customers can issue a bargaining chip in these stores and their merchandise credit semicolon, about payments. This is the embryonic form of credit cards.
It is said that one day, the U.S. businessman Frank McNamara, dining with guests in one New York hotel,after dinner he found his wallet was forgot to bring, which is deeply embarrassed, had called his wife to bring cash to closing the hotel. McNamara then had a idea to create a credit card company.In spring of 1950, McNamara and his friends invest Cooperation Schneider 10,000 U.S. dollars in New York created the DinersClub. DinersClub provide members a card which was a proof of identity and ability to pay , card members can book their consumption with the card. The card which is no need to apply in bank is still the nature of the credit card business.
In 1952, California, the Franklin National Bank as a financial institution issue the first credit card. In 1959, America Bank in the United States issued bank cards in California. Since then, many banks joined the ranks of card-issuing bank. By the 1960s, credit card banks will soon be widely welcomed by all sectors of society, and the rapid development of the credit card not only in the United States and the United Kingdom, Japan, Canada and the European countries are also catching on. From the beginning of the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other developing countries and regions have begun to issue credit card business.
Visa or Master,which is better?
MASTERCARD and VISA is the world's two major credit card organizations, who is better, look at your personal favorite.
What is Co-BrandedCard?
Co-BrandedCard is a Ancillary products Cooperation issued by profit-making commercial banks and institutions. At present, the most common is Co-Branded debitcard,develop based on the debit card with the nature of Co-Branded.
Mode of operation
The card-issuing banks (such as airlines, telecommunications companies, such as shopping malls profit organizations jointly) issue a card, any card-holders of the consumers in these consumer businesses can enjoy the provision of certain percentage of concessions.
What is debit card?
Debit card (DebitCard) refers to the the card should deposits first before they can spend (or withdrawal), no overdraft credit card function. According to their different functions, can be divided into debit cards (including savings card), a dedicated card and stored-value card.
What is credit card?
Credit card is a card that Bank or other financial institutions issuing credit to those people who in good condition for the specified business and consumer shopping or banking institutions designated a special card to access cash, credit is a special certificate.
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