什么是信用？什么是信用卡？信用是一种在没有买方手头现金的情况下销售商品或服务的方法。因此，信用卡只是一种向消费者提供信贷的自动方式。今天，每张信用卡都带有一个识别号码，可以加快购物交易。想象一下如果没有它，信用购买会是什么样子。销售人员必须记录您的身份，账单地址和还款条款。信用卡并非总是由塑料制成。纵观历史，有金属硬币，金属板，赛璐珞，金属，纤维，纸张以及现在大多数塑料卡制成的信用代币。根据不列颠百科全书，“信用卡的使用起源于20世纪20年代的美国，当时石油公司和连锁酒店等个别公司开始向客户发放信用卡。”但是，早在1890年就已经在欧洲提到了信用卡。早期信用卡涉及直接在提供信用卡和信用卡的商家与该商家的客户之间进行销售。大约在1938年，公司开始接受彼此的卡片。今天，信用卡允许您与无数第三方购物。第一家银行发行的信用卡的发明者是纽约布鲁克林Flatbush国家银行的John Biggins。 1946年，Biggins在银行客户和当地商家之间发明了“Charge-It”计划。它的工作方式是商家可以将销售单存入银行，银行向使用该卡的客户收取费用。 1950年，大来俱乐部在美国发行了信用卡。 Diners Club信用卡是由Diners Club创始人Frank McNamara发明的，作为支付餐馆账单的一种方式。在任何接受Diners Club信用卡的餐厅，顾客都可以在没有现金的情况下进食。 Diners Club将向餐厅付款，信用卡持有人将偿还Diners Club。 Diners Club卡首先在技术上首先是一张信用卡而不是信用卡，因为客户在由Diners Club收费时必须偿还全部金额。到了70年代中期，美国国会开始通过禁止向没有请求信用卡的人大量邮寄活跃信用卡等做法来规范信用卡行业。但是，并非所有法规都对消费者友好。 1996年，美国最高法院对Smiley vs.花旗银行取消了对信用卡公司可能收取的逾期罚款金额的限制。放松管制也允许收取很高的利率。美国运通于1958年发行了他们的第一张信用卡。美国银行于1958年晚些时候发行了BankAmericard（现在的Visa）银行信用卡。信用卡首先被提升为旅行推销员（他们在那个时代更常见）用于旅途中。到20世纪60年代早期，更多的公司通过将信息卡作为节省时间的设备而不是信用形式来提供信用卡。美国运通和万事达卡在一夜之间取得了巨大的成功。
What is credit? What is a credit card? Credit is a method of selling goods or services without the buyer’s cash on hand. Therefore, credit cards are just an automatic way of providing credit to consumers. Today, each credit card carries an identification number that speeds up the purchase. Imagine what it would be like to buy without it. The salesperson must record your identity, billing address and repayment terms. Credit cards are not always made of plastic. Throughout history, there are metal coins, sheet metal, celluloid, metal, fiber, paper, and credit tokens made from most plastic cards. According to the Britannica, “The use of credit cards originated in the United States in the 1920s, when individual companies such as oil companies and hotel chains began issuing credit cards to customers.” However, credit cards were mentioned in Europe as early as 1890. Early credit cards involve selling directly between the merchant providing the credit card and credit card and the merchant of the merchant. Around 1938, the company began accepting cards from each other. Today, credit cards allow you to shop with countless third parties. The inventor of the first bank issued a credit card was John Biggins of the Flatbush National Bank in Brooklyn, New York. In 1946, Biggins invented the “Charge-It” program between bank customers and local businesses. It works by the merchant who can deposit the sales slip to the bank and the bank charges the customer who uses the card. In 1950, Dalai Club issued a credit card in the United States. The Diners Club credit card was invented by the founder of the Diners Club, Frank McNamara, as a way to pay for restaurant bills. In any restaurant that accepts a Diners Club credit card, customers can eat without cash. The Diners Club will pay the restaurant and the credit card holder will repay the Diners Club. The Diners Club card is first technically a credit card instead of a credit card, as the customer must repay the full amount when charging by the Diners Club. By the mid-1970s, the US Congress began regulating the credit card industry by prohibiting the mass mailing of active credit cards to people who did not request credit cards. However, not all regulations are consumer-friendly. In 1996, the US Supreme Court lifted restrictions on the amount of overdue fines that credit card companies may charge for Smiley vs. Citibank. Deregulation also allows for very high interest rates. American Express issued their first credit card in 1958. Bank of America issued BankAmericard (now Visa) bank credit cards in late 1958. Credit cards were first promoted to travel salesmen (who were more common in that era) for use on the road. By the early 1960s, more companies offered credit cards by using information cards as time-saving devices rather than credit. American Express and MasterCard have achieved great success overnight.