CREDIT CARDS


A user is issued a credit card after an account has been approved by the credit provider (often a general bank, but sometimes a captive bank created to issue a particular brand of credit card, such as Wells Fargo or American Express Centurion Bank), with which the user will be able to make purchases from merchants accepting that credit card up to a pre-established credit limit.
 
 When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates their consent to pay, by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a PIN. Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a customer not present (CNP) transaction.
 
 Electronic verification systems allow merchants to verify that the card is valid and the credit card customer has sufficient credit to cover the purchase in a few seconds, allowing the verification to happen at time of purchase. The verification is performed using a credit card payment terminal or Point of Sale (POS) system with a communications link to the merchant's acquiring bank. Data from the card is obtained using from a magnetic stripe or chip on the card; the later system is commonly known as Chip and PIN, but is more technically an EMV card.
 
 Other variations of verification systems are used by eCommerce merchants to determine if the user's account is valid and able to accept the charge. These will typically involve the cardholder providing additional information, such as the security code printed on the back of the card, or the address of the cardholder.

Online Credit Card Offers
Compare online credit card offers from Visa, Mastercard,
American Express and Discover.Links to easy online applications to apply
for the credit card of your choice.
 www.creditcards.com



Citi Platinum Select Card
APR on balance transfers and purchases for 12 months. Apply now.
 www.citibank.com



Compare Credit Cards and Apply Online
Compare credit cards that offer APR, cash back, travel rewards,gas rebates,
other rewards and more. Find the right credit card and apply online.
 www.e-wisdom.com



MBNA Cash Back®
Get cash. This card gives you cash back.No annual fee. Apply now.
 www.mbna.com



Online Credit Card Application
Discover Discover Clear Card: No annual fee, up to 5% cash back,
and 0% intro APR on purchases and balance transfers for 12 months.
Good credit required. Quick and easy online application
 www.discovercard.com

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