A debit card, also known as a check card or bank card, is a payment card that can be used in place of cash to make purchases. The card usually consists of the bank's name, a card number, the cardholder's name, and an expiration date, on either the front or the back. Many of the new cards now have a chip on them, which allows people to use their card by touch (contactless), or by inserting the card and keying in a PIN as with swiping the magnetic stripe. These are similar to a credit card, but unlike a credit card, the money for the purchase must be in the cardholder's bank account at the time of the purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase.
WH Smith PLC, trading as WHSmith, is a British retailer, with headquarters in Swindon, England, which operates a chain of high street, railway station, airport, port, hospital and motorway service station shops selling books, stationery, magazines, newspapers, entertainment products and confectionery.
A charge card is a type of credit card that enables the cardholder to make purchases which are paid for by the card issuer, to whom the cardholder becomes indebted. The cardholder is obligated to repay the debt to the card issuer in full by the due date, usually on a monthly basis, or be subject to late fees and restrictions on further card use. Charge cards are distinct from credit cards in that credit cards are revolving credit instruments that do not need to be paid in full every month and a balance may be carried over, on which interest is paid. Charge cards are typically issued without spending limits, whereas credit cards usually have a specified credit limit that the cardholder may not exceed. Most charge cards are held by businesses, corporations or executives thereof, and are issued to customers with a good or excellent credit score.
Diners Club International (DCI), founded as Diners Club, is a charge card company owned by Discover Financial Services. Formed in 1950 by Frank X. McNamara, Ralph Schneider, Matty Simmons, and Alfred S. Bloomingdale, it was the first independent payment card company in the world, successfully establishing the financial service of issuing travel and entertainment (T&E) credit cards as a viable business. Diners Club International and its franchises serve individuals from around the world with operations in 59 countries.
American Greetings Corporation is a privately owned American company and is the world's second largest greeting card producer behind Hallmark Cards. Based in Westlake, Ohio, a suburb of Cleveland, the company sells paper greeting cards, electronic greeting cards, gift packaging, stickers and party products. In addition, the company owns the Carlton Cards, Tender Thoughts, Papyrus, Recycled Paper Greetings and Gibson brands.
GE Capital is the financial services division of General Electric.
Credit is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately, but promises either to repay or return those resources at a later date. The resources provided by the first party can be either property, fulfillment of promises, or performances. In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people.
Cabela's Inc. is an American retailer that specializes in hunting, fishing, boating, camping, and other outdoor recreation merchandise. The chain was founded by Richard N. Cabela and Jim Cabela in 1961. Cabela's was acquired by Springfield, Missouri-based Bass Pro Shops in 2017 and has been a subsidiary since then. The brand’s retail locations feature wildlife exhibits and outdoor designs, and are viewed as tourist attractions. Bass Pro Shops and Cabela’s support conservation efforts and organizations such as the America’s Armed Services and Veterans.
HSBC Finance Corporation is a financial services company and a subsidiary of HSBC Holdings. It is the sixth-largest issuer of MasterCard and Visa credit cards in the United States. HSBC Finance Corporation was formed from the legal entity that had been known as Household International—shortly after Household International settled for US$486 million in charges pertaining to predatory lending, after burning through $389 million in legal fees and expenses—and is now expanding its consumer finance model via the HSBC Group to Brazil, India, Argentina and elsewhere.
Studio, is a British home shopping business and is a wholly owned subsidy of the Frasers Group. Studio was founded in 1962 under the name "Fine Art Developments".
Birthdays was a British High Street greeting cards retailer. From its beginning in 1966, Ron Wood Greeting Cards operated as a wholesaler of greeting cards and gift wrap in Bury, Greater Manchester. In the mid-1970s three card shops were opened and soon the number had increased to thirty. In 1986 the Birthdays concept was launched, and the product range gradually diversified to include novelties, soft toys and ornaments. Birthdays operated for over 40 years under various names.
Discover Financial Services is an American financial services company that owns and operates Discover Bank, an online bank that offers checking and savings accounts, personal loans, home equity loans, student loans and credit cards. It also owns and operates the Discover and Pulse networks, and owns Diners Club International. Discover Card is the third largest credit card brand in the United States, when measured by cards in force, with nearly 50 million cardholders. Discover is currently headquartered in the Chicago suburb of Riverwoods, Illinois.
Card Factory plc is a retailer of greeting cards and gifts in the United Kingdom founded in Wakefield by Dean Hoyle and his wife Janet. The first store opened in 1997, and by 2020 the company had over 1,000 stores. The company also operates two retail websites and has mobile apps for both iPhone and Android. It is listed on the London Stock Exchange.
A credit card is a payment card, usually issued by a bank, allowing its users to purchase goods or services or withdraw cash on credit. Using the card thus accrues debt that has to be repaid later. Credit cards are one of the most widely used forms of payment across the world.
Hallmark Cards, Inc. is a privately held, family-owned American company based in Kansas City, Missouri. Founded in 1910 by Joyce Hall, Hallmark is the oldest and largest manufacturer of greeting cards in the United States. In 1985, the company was awarded the National Medal of Arts.
Donald John Lewin OBE is a British businessman. He is the founder and former chairman of Clinton Cards, a chain of greeting cards shops in the United Kingdom. He and his family were estimated to be worth £139 million in 2008.
Travelex International Limited is a foreign exchange company founded by Lloyd Dorfman and headquartered in Peterborough. Its main businesses are foreign currency exchange, issuing prepaid credit cards for use by travellers, supplying central banks with foreign currency and global remittance. Travelex operates more than 1,100 stores and 900 ATMs in over 20 countries.
Marks & Spencer Financial Services plc, trading as M&S Bank, is a retail bank operating in the United Kingdom. Founded in 1985 as St Michael Financial Services as the financial services division of Marks & Spencer and adopted its current name in 2012.
Schurman Retail Group is an American stationery, greeting card, gifts, and paper products company based in Fairfield, California. The company operates brands and retail stores under the names Papyrus, NIQUEA.D, and Paper Destiny. It also sells the American Greetings brand and manages its subsidiaries, including Carlton Cards. Schurman Retail Group has over 450 retail stores across the United States and Canada It is currently the second-largest American specialty retailer in the greeting card industry.
Papyrus is a brand name originated by a former American stationery and greeting card retailer that at one time operated over 450 stores throughout the United States and Canada. It was headquartered in Goodlettsville, Tennessee, and was the flagship brand of the Schurman Retail Group. The company sold a variety of products, including greeting cards, stationery, gift wrap, specialty gifts, jewelry, customized invitations, and other paper products. It was one of the largest greeting card retailers in the United States. The Papyrus products rights are owned by American Greetings.
