\nCorporation, respectiv faptul c\u0103 mul\u0163i dintre clien\u0163ii lui McNamara \u00eemprumutaser\u0103 bani pe care nu puteau s\u0103 \u00eei returneze.
\nLa sf\u00e2r\u015fitul mesei, McNamara \u015fi-a c\u0103utat portofelul ca s\u0103 pl\u0103teasc\u0103 cash, dar a descoperit c\u0103 \u015fi-l uitase. A trebuit s\u0103 o sune pe so\u0163ia lui care s\u0103-i aduc\u0103 bani, iar McNamara a jurat c\u0103 acest lucru nu se va mai \u00eent\u00e2mpla.<\/p>\n
\nA pus cap la cap \u00eent\u00e2mplarea de la cin\u0103, \u00eemprumutul de credite pe card \u015fi lipsa banilor pentru plata mesei \u015fi i-a venit ideea unui credit pe card care putea fi folosit \u00een mai multe locuri. Noutatea pe care a adus-o el conceptului era de fapt o cale de mijloc \u00eentre companii \u015fi clien\u0163ii lor.<\/p>\n
\nMcNamara \u015fi cei doi prieteni ai lui au investit \u00een formarea companiei Diners Club \u00een 1950, cu rolul \u00een medierea tranzac\u0163iilor dintre companii \u015fi clien\u0163i. Pentru a face bani din aceste carduri, Diners Club taxa magazinele cu 7% pe toate tranzac\u0163iile, iar pe clien\u0163i cu trei dolari pe an.
\nComercian\u0163ii nu au fost de la \u00eenceput \u00eenc\u00e2nta\u0163i de ideea cardului de credit, totu\u015fi compania a ob\u0163inut \u00een al doilea an un profit de 60.000 de dolari, potrivit nerdwallet.com.<\/p>\n
\nMcNamara a fondat o companie care avea s\u0103 schime stilul de cump\u0103rare a clien\u0163ilor din toat\u0103 lumea. Dar din punctul lui de vedere, nu p\u0103rea s\u0103 fie ceva de durat\u0103 \u015fi a decis s\u0103 v\u00e2nd\u0103 ac\u0163iunile companiei partenerilor lui pentru 200.000 de dolari.<\/p>\n
\nP\u00e2n\u0103 \u00een 1960, American Express, Banca Americii (BankAmericard, cunoscut\u0103 mai t\u00e2rziu drept Visa) \u015fi Interbank Card Association (mai t\u00e2rziu MasterCard) au intrat \u00een afacere, iar cardul de credit a intrat \u00een uzul curent. \u00cen 1970, ap\u0103reau primele reglement\u0103ri referitoare la cardurile de credit, iar americanii s-au orientat c\u0103tre aceast\u0103 modalitate \u00een detrimentul folosirii cecurilor \u015fi banilor. \u00cen 1995, existau 489,5 miliarde de note de plat\u0103 pl\u0103tite \u00een SUA \u015fi 15,6 miliarde tranzac\u0163ii cu cardul de credit.<\/p>\n
\nCardul de credit s-a r\u0103sp\u00e2ndit apoi \u00een \u00eentreaga lume, dar cu rapiditatea cu care evolueaz\u0103 noile tehnologii, s-ar putea ca aceast\u0103 modalitate de plat\u0103 s\u0103 dispar\u0103 la fel de repede.<\/p>\n","protected":false},"excerpt":{"rendered":"
Cardul de credit a devenit o modalitate popular\u0103 de plat\u0103, mai ales \u00een r\u00e2ndul americanilor. Ideea i-a venit lui Frank McNamara, \u015feful Hamilton Credit Corporation, \u00een 1949. El a ie\u015fit la mas\u0103 \u00eempreun\u0103 cu doi prieteni, Alfred Bloomingdale, nepotul fondatorului magazinulului Bloomingdale, \u015fi Ralpsh Sneider, avocatul lui. Cei trei oameni cinau la un restaurant faimos din New York, aflat \u00een apropierea Empire State Building, ca s\u0103 discute o problem\u0103 legat\u0103 de Hamilton Credit <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3826],"tags":[16061,13794,32328,8786,7667,7736,17541,20197,33395,13688,33396,10209,6266,93],"class_list":["post-80779","post","type-post","status-publish","format-standard","hentry","category-special","tag-alegere","tag-americani","tag-apropiere","tag-avocat","tag-card","tag-credit","tag-discutare","tag-fondator","tag-hamilton","tag-iesire","tag-modalitate","tag-new-york","tag-oameni","tag-plati"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/80779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=80779"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/80779\/revisions"}],"predecessor-version":[{"id":93841,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/80779\/revisions\/93841"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=80779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=80779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=80779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}