Business Insider<\/a>. Americanul tocmai luase cina la un restaurant din New York c\u00e2nd \u015fi-a dat seama c\u0103 \u00ee\u015fi uitase acas\u0103 portofelul.<\/p>\n\n\n\nMai departe, \u00eens\u0103, exist\u0103 dou\u0103 variante ale deznod\u0103m\u00e2ntului acestei \u00eent\u00e2mpl\u0103ri. A\u015fadar, \u00een vreme ce unii spun c\u0103 McNamara \u015fi-a sunat so\u0163ia pentru a-i aduce banii necesari pentru nota de plat\u0103, al\u0163ii sus\u0163in c\u0103, de fapt, acesta ar fi negociat cu managerul localului \u015fi semn\u00e2nd un document prin care promitea c\u0103 va reveni pentru a-\u015fi pl\u0103ti datoria.<\/p>\n\n\n\n
Cert este c\u0103, dup\u0103 acest moment, \u00een anul 1950, antreprenorul \u015fi-a \u00eenfiin\u0163at prima companie de carduri de credit, denumit\u0103 Diner\u2019s Club. Ideea din spatele noii afaceri era simpl\u0103: \u201esemnezi acum, pl\u0103te\u015fti mai t\u00e2rziu\u201d. 27 de restaurante s-au \u00eenscris \u00een \u201eclub\u201d, iar 200 de clien\u0163i au acceptat s\u0103 devin\u0103, de asemenea, membri.<\/p>\n\n\n\n
\u00cen acela\u015fi timp, Alfred Bloomingdale a fondat \u201eDine and Sign\u201d \u00een Los Angeles, o alt\u0103 companie de carduri de credit, mai scrie sursa citat\u0103.<\/p>\n\n\n\n
Dup\u0103 nu mult timp, McNamara \u015fi Bloomingdale s-au \u00eent\u00e2lnit, au purtat o serie de negocieri, dup\u0103 care au decis ca cele dou\u0103 companii pe care le de\u0163ineau s\u0103 fuzioneze. Cur\u00e2nd, cei doi au lansat un nou tip de carduri, ce le permitea clien\u0163ilor s\u0103 \u00eemprumute credit, s\u0103 foloseasc\u0103 banii, apoi s\u0103 \u00ee\u015fi pl\u0103teasc\u0103 datoriile.<\/p>\n\n\n\n
\u00cen primul an, 20.000 de persoane au achizi\u0163ionat cardurile puse la dispozi\u0163ie de Frank McNamara \u015fi Alfred Bloomingdale. Cel de-al doilea an, The Diner\u2019s Club a f\u0103cut un profit de 60.000 de dolari \u015fi \u015fi-a deschis francize \u00een Canada, Cuba \u015fi Fran\u0163a.<\/p>\n\n\n\n
Opt ani mai t\u00e2rziu, American Express \u015fi Carte Blanche au \u00eenceput, de asemenea, s\u0103 emit\u0103 carduri de credit. La fel au procedat \u015fi Bank of America, emi\u0163\u00e2nd cardul Visa.<\/p>\n\n\n\n
\u00cen anul 1967, patru b\u0103nci din California au fondat BankAmericard, cunoscut ca programul MasterCharge. Acesta a devenit, 12 ani mai t\u00e2rziu, MasterCard.<\/p>\n\n\n\n
\u00cen prezent, mai mult de 75% dintre american de\u0163in cel pu\u0163in un card de credit.<\/p>\n\n\n\n
sursa: descopera.ro<\/p>\n","protected":false},"excerpt":{"rendered":"
Frank McNamara este “inventatorul” cardurilor de credit. V-a\u0163i \u00eentrebat vreodat\u0103 c\u00e2nd, cum sau de ce au ap\u0103rut cardurile de credit?<\/p>\n","protected":false},"author":1,"featured_media":47454,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[6],"tags":[],"class_list":["post-47453","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2019\/03\/card-de-credit.jpg?fit=400%2C290&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-cln","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/47453","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=47453"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/47453\/revisions"}],"predecessor-version":[{"id":47455,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/47453\/revisions\/47455"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/47454"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=47453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=47453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=47453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}