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Credit Cards introduce financial flexibility into modern consumers' lives. For those who always pay off their balances, credit cards eliminate the need to carry cash or obtain check-cashing approval. For those who carry a balance, credit cards allow acquisition of goods and services that cannot be paid for in full when purchased. The twenty-first century extent of credit card use may be new, but its function is not. Before 1900, American families obtained "book credit" from merchants who allowed the same financial flexibility now provided by credit cards. But urbanization and the chain store movement rendered the old system of book credit infeasible. The first step on the road to credit cards was development of store-specific metal charge cards in 1928. These cards continued the system of extending credit to favored customers. Clerks no longer needed to assess customers' creditworthiness; any one with a charge card received store credit. Oil companies moved into credit cards as a way of building a customer base. As automobiles increased in popularity in the 1920s and gasoline stations proliferated, oil companies gave loyal customers paper "courtesy" cards that could be used at any of their stations. Balances were paid in full monthly. In 1939, Standard Oil of Indiana made a startling move when it mailed 250,000 unsolicited cards. By 1940, over 1 million cards circulated. In the 1950s, gas companies moved to embossed aluminum charge cards in the size still common in the early 2000s. Early charge cards did not possess the key feature of modern credit cards: revolving credit, which allows card-holders to pay balances over time while simultaneously charging new amounts. Wanamaker's Department Store in Philadelphia moved toward a revolving charge account in the late 1930s when it gave customers four months to pay off a balance. This was not truly revolving credit, however; new charges were prohibited until the previous balance was paid. William Gorman introduced true revolving credit to department store cards in the 1940s, first at the L. Bamberger & Co. department store in Newark, New Jersey, and in 1947 at Gimbel Bros. of New York. In all these cases, the card issuer's goal was to boost sales of the issuing company. Indeed, due to bad debts and fraud, the credit operations often generated a loss.

http://www.creditcardmom.com/

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2. Designer Replica, Celebrity Inspired - Fantasy Jewelry Box

We accept Visa, Mastercard, American Express and Discover credit cards/debit cards as well as PayPal, personal checks & money orders. If paying by personal check or money order, please mail your payment to: Fantasy Jewelry Box P.O. Box 2967 Covington , GA 30015.

We accept orders online through the Yahoo! Store secure ordering system, which uses industry-leading Secure Socket Layering (SSL) encryption to process all orders. When order at our store, your information is transmitted securely over the Internet in encrypted (scrambled) form so that it cannot be accessed by unauthorized third parties. We respect our customers' privacy. All personal information that you supply in the course of doing business with us will be handled securely and held confidential at all times. We will not sell, lease, or otherwise disclose our customers' information to anyone.

Our normal order processing time is between 1 to 2 business days. If you choose USPS First Class Mail ($4.95), delivery time for your order will be approximately 3-7 business days after your order is processed. If you choose USPS Priority Mail ($7.95), normal delivery time will take approximately 2-3 business days. All orders shipped via USPS Express Mail ($17.95) will arrive in 1-2 buisness days. International orders shipped via Global Priority Mail ($9.95) will take approximately 5-10 days. Global Express Mail ($21.95) orders will take approximately 3-5 days to arrive. Again, please allow 1-2 days for your order to be processed although approximately 80% of orders are shipped NEXT DAY!

Delays may occur for products on back order, in limited availability or on special order. Orders placed on weekends or holidays are processed on the next business day.

http://www.fantasyjewelrybox.com

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3. Perfume discount perfume wholesale fragrance cologne skincare.

Perfume & Fragrance
zHot.com carries only genuine brand named designer fragrances. We guarantee the labels we sell come to us directly from the manufacturer or authorized distributor and are 100% authentic. No knockoffs or immitation fragrances are sold at zHot.com. If you are not completely satisfied with your purchase of our perfume and fragrances, service or delivery, you may exchange or return the item within 15 days. See below for our exchange & return policy.

Hand Bags & Purses
zHot.com carries only the first-quality and brand new purses. All of our items are 100% authentic, and include authenticity labels or card, dust bag and/or box. All our merchandise is purchased from reputable resellers and authorized vendors with whom we have established enduring relationships. See below for our exchange & return policy for Hand Bags and Purses.

PAYMENT INFO
zHot.com accepts Visa, Mastercard, American Express, and Discover credit cards via our secure online ordering system.

http://www.zhot.com

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