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Credit Card

Transcript: Credit Card Assignment By: Gowsigan Dayagaran The End General Information 24/7 Online Access Emergency Replacement Accepted Almost Anywhere Customer Service Reflections Top Two Credit Cards Really Enjoyed It Thought About Getting a Credit Card Understood Terms For Getting a Credit Card Effective Use Of Time Damages Credit Rating Costs Increase Build Up Debt Can Go Bankrupt Cost much more than other forms of credit if you don't pay on time. Damage your credit rating if your payments are late Allow you to build up more debt than you can handle Have complicated terms and conditions Guaranteed Secured MasterCard® 9.99% Interest Rate (Fixed) Good Credit Needed Able To Pay Minimum Payment (The One I Chose) Advantages and Disadvantages of Having a Credit Card Low Rate Guaranteed Secured MasterCard® three digit number between 400 and 850 based on the credit history that you have. lenders take a look at your score to find out if you a good borrower. a low credit score might mean that you are someone who is not likely to pay your debts on time or at all. a high credit score that means you are a good borrower and someone who pays their dues on time. Low Rate Guaranteed Secured MasterCard® What Can You Use It To Pay For? The financial institution decides whether you are able to pay your debts on time. Have you used credit before? Do you pay your bills on time? How long have you lived at your present address? How long have you been at your present job? Small Purchases Household Products Groceries Offer free use of funds, provided you always pay your balance in full, on time. Be more convenient to carry than cash. Help you establish a good credit history. Give you incentives, such as reward points. Capital One 14.9% Interest Rate $69 Annual Fee Mastercard mbna 9.99% Interest Rate No Annual Fee Mastercard Gold MasterCard® Your ability to repay your debt and to check if you have a decent income to pay debt off. Capacity Low Rate Guaranteed Secured MasterCard® Disadvantages Small Purchases Household Products Groceries Gold MasterCard® credit card Other Important Information Small to Large Purchases Furniture Small Household Products Collateral Student Credit Card Section determines if you have things of value such as real estate, investments, savings which can be possesed to repay debt if it is unable to. What Happens When You Cannot Pay Credit Score/Rating Advantages Capital One 19.8% Interest Rate $59 Annual Fee Master Card Character Gold MasterCard® 14.9% Interest Rate No Credit History Needed Able To Pay Minimum Payment Guaranteed Secured MasterCard® Good-Fair Credit Needed High Interest Rates No Annual Fee Some Have Cash Back

credit card

Transcript: Credit Card Background The first credit card was made in 1958 by Visa in the bank americard project. In 1977 visa went worldwide and was acepted by all banks. This presentation is about how a credit card is manufactured, the design of the card and what materials are used. Raw materials acrylonitrile butadiene styrene is occasionally used as the caore material. Polyvinyl chloride asetate is used for the majority of core structures Iron oxide particles are used in the magnetic strip polyethylene terephthalate and layers of thermoplastics are used to make holograms. Gold plating is used for the chip of the card to maximise electrical conductivity. Design Credit cards have been designed with security measures to prevent fraud such as; Account numbers on the face of the cards ranging from 13-20 digits with over 10 trillion combinations. Considering mastercard has only 65 million customers there are plenty left. holograms that are very hard to replicate Signature panel- this has a fingerprint design which means that once it has been signed if the ink is attempted to be erased the panel will rub off revealing a void stamp underneath. A magnetic strip on the back is coated with iron oxide that is encoded with binary information to identify the user. Manufacturing The card is made by an extrusion molding apparatus. Moulding- The core of the card is 1 of three layers made through the method of extrusion molding molten polyvinyl chloride asetate through a die. Printing- is done by using a variety of silk screen processes.The graphics are inprinted using magnetic ink. All the manufacturing processes are monitored to prevent anomilies in production. Die cutting- The large sheet of PVCA is then cut into 63 even cards and then embossed with card numbers. By Ian Duxbury and Joe Wong Lamination- the core of PVCA is rolled into the vacuum shoes where it is wrapped from both sides by laminate film at 130 degrees celcius and compressed at 166 psi. This is done to strengthen the card to prevent easy breakage and flexibility. This full process takes only 3 minutes.

CREDIT CARD

Transcript: The minimum payment is the minimum amount a credit card holder is required to repay each billing period on an open balance. A card holder can make a payment that is in excess of the minimum payment due. However, a payment cannot be for less than the minimum payment due. If this happens, the account may go into default, and the credit card issuer might impose a penalty. The way that the credit issuer calculates the minimum payment due each month will be defined inside the card holder agreement. The minimum payment generally is calculated as a percentage of the new balance total. For consumers, a credit card minimum payment due amount can be a mysteriously shifting figure that can make a significant impact on the monthly budget. The penality is when the minimum amount is not paid. GRACE PERIOD MINIMUM PAYMENT ANNUAL PERCENTAGE RATE (APR) ITS REALL BAD The annual rate that is charged for borrowing, expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction. Also The amount you will pay in interest charges per year. 0% APR credit card is when credit cards charge you no interest on credit, for a specified period of time. Introductory APR is a different low rate applied to first 6 months to a year. Multiple APRs is the different credit card rate for purchases, balance transfer, and cash advances. http://www.efunda.com/formulae/finance/apr_calculator.cfm CREDIT CARDS A provision in most loan and insurance contracts which allows payment to be received for a certain period of time after the actual due date. During this period no late fees will be charged, and the late payment will not result in default or cancellation of the loan. A typical grace period is 20-25 days. Cash advances and balance transfer is when there is no grace period on these. Finance charge is the amount is not charged if balanced is paid before the grace period.

Credit Card

Transcript: what is the invention ? when people saw the convenience of credit cards, everybody started getting them & the whole idea of credit cards expanded to multiple credit card companies with millions of users. To what extent was the inventor involved, or gained from, the production and use of the new invention ? according to the encyclopedia, they were created in the 1920's in the united states. but they can be dated back to 1890 in Europe Early credit cards involved sales directly between the merchant offering the credit and credit card, and that merchant's customer -building a credit line: by having a good credit history not only when applying for credit cards is easier, but also when applying for things such as loans, rental applications, or even some jobs is easier too. whats so great about it ? how the invention developed into an entrepreneurial venture The Credit Card It is a card, issued to people, that allows for them to pay for goods based on their promise to pay for them. The issuer of the credit card creates an account with a line of credit to the user from which they can use money for their expenses as long as they pay back the money to the issuer. -convenient -credit card compared to a debit card allows small short-term loans to be quickly made to a user, within their credit line, whereas with a debit card, you need to have the money on your card to be able to use it. -also good for emergiencies, when you have to spend larger amounts of money that you normally don't carry around with you back in the 1890's in Europe the merchants who gave lines of credit to their customers were fully involved, the benefited from this because their customers spent more money on their products. now the inventors aren't as involved with the invention because it has become so massive & worldwide who invented them ? when/how

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