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The Truth About Credit Report Agencies By : Masni Rizal Mansor Imagine the next time you join a discussion about credit report agencies. When you start sharing the fascinating credit report agencies facts below, your friends will be absolutely amazed. Top 7 Questions About Credit Reports & Credit Scores By : Myra Golden Here are the top 7 questions we hear from consumers about credit reports and credit scores... Adding Tradelines And Other Ways To Improve Your Credit Report By : Liz Roberts For many people, a credit report is something akin to a mystery novel. It's a little hard to understand, and you never know how it's going to turn out if you don't read the whole thing. But you really do have the power to take the mystery out of understanding what your credit report is, how it affects your life, and what you can do to improve that all important credit score. Your Credit Score Can Be Destroyed By Simple Credit Inquiries By : Thomas Rendleman Credit scores can be destroyed by simple credit inquiries. Discover this valuable secret to help you keep your credit score from plummeting. Once you discover this little known technique you'll never look at credit the same way again. By Thomas Rendleman Many Need Consumer Credit Counseling By : Keith George Every year, more than one million persons in the United States visit credit counselors or credit counseling agencies. They want help to get rid of their credit card debts and regain financial control. A Closer Look At Instant Approval Credit Cards By : Gregg Hall Credit card applications these days have begun to provide clients with an instant approval feature. Meaning, the person applying for a credit card would easily know whether he or she is eligible for applying. This process of instant approval is basically used online or through the internet. Types of Credit Card By : Masni Rizal Mansor Specialty credit cards are other set of standard non-secure cards designed specifically for individual business users and students with unique and special needs. So Why Would I Want A Prepaid Credit Card? By : Gregg Hall Our buying power today is based predominately on our credit rating. This is even more true today with the advent of computers and instant credit reports from companies such as Equifax and Transunion. It is virtually impossible to do business without a credit card, especially online where nearly every purchase requires a credit card. What Does A Zero Interest Credit Card Really Cost You? By : Gregg Hall The credit card industry a few years ago began doing the same thing the automotive industry did, they began to offer zero interest to try to entice clients. Little did they know that they had opened a Pandora’s Box in which people now shop constantly for companies to swap back and forth with to maintain a zero interest balance on their cards. Here Are Some Considerations When Applying For Credit Cards Online By : Gregg Hall Credit Card Companies are on a quest it seems to make sure that everyone has their card. I know if you are like me that between you email and your physical mailbox you probably get at least a few offers a day either trying to get you to apply for the first time, or trying to get you to transfer your balances with the dangling carrot of zero interest for a specified period of time. How To Get Approved For A Credit Card Online By : Gregg Hall Credit cards have long been a popular form of purchasing items on a "chargeable" or borrowed term. Let's look at some of the advantages and disadvantages. How To Compare Credit Cards To Get Your Best Deal By : Gregg Hall Getting your own credit card is not as easy as you may think. Applying for a credit card account needs a lot of thinking. Don't get a credit card without taking some of the things below into consideration. Some Of The Main Reasons We Need Credit Cards By : Gregg Hall Practically everyone in the United States has credit cards. From teenagers to retirees, almost everyone has at least one credit card. Everywhere we go we see ads - in the television, radio, newspapers, and billboard advertisements - on credit cards. Some credit cards are even mailed directly to our homes. But what are credit cards and why should you have one? How To Get Free Travel From Using Your Credit Card By : Gregg Hall Responsible use of your credit card allows flexibility and leverage as it helps people manage their money. By using the principle of interest rates in credit, it allows large and expensive purchases like buying furniture and appliances. How Do I Know What The Best Credit Card Would Be For Me? By : Gregg Hall If you are thinking of applying for a credit card there are some issues that you should acquaint yourself with upfront. Are Cash Back Credit Cards A Good or Bad Idea? By : Gregg Hall Getting a credit card that offers cash back always sounds like a good idea. What could be better than getting cash back on all the purchases that you make with your credit card? It sounds too good to be true, doesn't it? Linear Income vs. Residual Income: Knowing the Difference Will Change Your Life! By : MemphisGuru3183 These income concepts are what divide the rich and the poor, the wealthy and the middle-class, the knowledgeable and the ignorant. Linear income and residual income are the two ways that people make money in the world. This article will show you which income concept is preferable by most. Risks associated with Credit Limit By : Ken Driscoll A poor credit score can pull down people's lifestyle and consumer habits. Credit limit, however, gives the customer the capability to get a certain amount without going back to the financial institution or reviewing credit file. What Are Your Credit Opportunities By : Ken Driscoll Every individual requires credit for better lifestyle. The Equal Credit Opportunity Act facilitates consumers to enjoy equal opportunities for obtaining credit; but a lot depends on existing debt, credit history, income, creditworthiness etc. European Banking Industry: How Different Are European Banks From U.S. Banks? By : Serdar Pala In recent years, it seems as though the European banking industry has gone through a collective boom. However, it is still unclear as to whether or not this boom will have positive or negative affects on the actual people of Europe and their banking. Retail Banking in Turkey Development & History By : Serdar Pala Retail banking in Turkey has not always been a successful endeavor. In fact, much of the retail banking development has occurred in just the past few years. 0 APR Credit Cards: As Good as they Sound? By : John Reimann 0 APR Credit Cards sound great and they can be very useful. But there are some things you should be aware of before you make your choice. Find out more NOW! Securing a Car Loan with a Poor Credit Rating By : Darlene Prestamo In this era of purchasing a car financed through a bank, there is a big rush to get the best deal. However before indulging in any kind of deal everyone should check their credit rating. Credit rating plays a vital role in making a good deal both for the car dealers and the customer. Car dealers prefer buyers with good credit rating. On the other hand if you hold a good rating you are likely to get one of the best deals, which others could only long for. Moreover, it entitles you for the loan in first place and leaves you happy and satisfied and saves your time too. How Important Is Credit Card APR? By : Michael D. Strauss Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate. Simple Steps to Prevent Credit Card Fraud By : Michael D. Strauss Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you. Is Cashback The Future For Credit Cards? By : Michael D. Strauss Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit? Is Credit Card APR All That Counts? By : Nicholas Hunt Choosing a credit card isn't simply a matter of going for the one with the lowest APR interest rate, you need to match the card to the way you spend. Getting it wrong can be costly, so how do you decide which type of card to apply for? Which Kind Of Credit Card Should I Choose? By : Michael D. Strauss There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements promoting features you may not need. Getting a Credit Card with a Bad Credit Rating By : Nicholas Hunt Paying by plastic is becoming ever more common, not least because of the rise of online shopping. How can people with poor credit ratings get approved for a credit card? When Not To Use A Credit Card By : Michael D. Strauss Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble. Bad Credit Does Not Mean Bad Life By : Ian Iowek For people with bad credit, the general consensus is for them to have a secured credit card and indeed that is what is mostly available to the majority. However, with current trends and competition among credit card providers, unsecured credit cards are available to anyone even the ones with the worst credit history. Credit Card Balance Transfer Fees By : Michael D. Strauss Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born. Get in Control of Your Credit Card Debt By : Michael D. Strauss Using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, and many people find their balances get out of control. Flat Rate Credit Cards By : Michael D. Strauss Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing. Credit Card Cheques - An Expensive Convenience By : Michael D. Strauss Credit card cheques are touted by card issuers as a convenient way to use your account when cards aren't accepted, but it's not always made clear how much they cost. How to Choose a Credit Counseling Agency By : Cornie Herring You have made the first step towards reaching financial freedom. Now you must make the next big step and choose the Credit Counseling Agency that is best for you. Read this article to get more information on how to choose a credit counseling agency. Top 3 Credit Mistakes Which Will Harm Your Credit Scores By : Cornie Herring Credit scores are the financial measurement to determine your financial creditworthiness. Lenders like banks and credit card companies use these credit scores to know your financial ability. Thus is important to maintain your good credit scores. this article will review the 3 top credit mistakes which you may make and harm your credit scores. Credit Cards: Why You Should Pay More Than The Minimum By : Michael D. Strauss Credit cards are a great convenience, but it can be all to easy to let your debt slide out of control. Making only the minimuum repayments will make the situation worse, and this article explains why. Bankruptcy Alternatives That Work By : Susan Davis You may want to look at these bankruptcy alternatives that can provide financial relief and a better way to solve your financial problems to avoid bankruptcy. How to Quickly Fix Your Bad Credit? By : Cornie Herring Our credit history makes a great impact on our lives. For example, a good credit history will help us to easily obtain loans for a car, a house or other large items with lower interest rates. If you are in the bad credit situation, here are some tips to quickly fix your bad credit. Are Online Credit Card Applications Too Easy? By : Michael D. Strauss Applying online for a credit card is easier than ever, but there is a danger to be aware of. Find out the harm it can do to your credit rating, and how to avoid it. Beware of Scams When Repairing Your Credit By : Cornie Herring If you are in bad credit situation and are anxious in looking for a solution to rebuild your credit, then you may be tempted to answer an ad from a scam who can promise you an entirely new credit identity. Don't be their victims, learn the sign of scams and beware of them. Credit Repair For Yourself By : Martin Sumner There are thousands of websites offering their services in repairing a bad credit rating. Unfortunately however, there's no magic bullet solution, but that doesn't mean there's nothing you can do to improve the situation. Tips to find good credit cards By : Ganesh Credit card means, it is a convention between consumers and the credit issuer. The issuance of credit constitutes an offer of Credit which may be withdrawn by the issuer at any time, and preceding to acceptance of the offer through the use of the credit card by the cardholder. The credit industry is annoying to replace cash, as a medium of exchange, with a computerized credit and debit card system which would electronically execute all of our financial affairs and track our every move. When Your Credit Score Become Important? By : Cornie Herring Have you ever wonder why your online application for credit can be approved in 60 seconds? Or get pre-qualified auto loan for a car without asking you how much is your income? Or why your interest rates on loans are different from the interest rates of your friends or neighbors? Your credit scoring is the factor that affects all these. Choosing Cashback Or Rewards Credit Cards By : Michael D. Strauss With the demise of balance transfers as an attractive credit card offer, cashback and rewards schemes are growing in popularity. Find out what they are and how you could profit from using them. Credit Card Incentives-Choosing The Perfect Credit Card By : Nick Makaryk Not Understanding all the terms and conditions on your credit card before you sign-up can cause financial troubles in the future if not used properly. Common Pitfalls of Credit Card Use By : Nicholas Hunt Credit cards are an incredibly popular and convenient part of modern life, but if used unwisely they can lead to financial problems. Find out how to stay out of trouble with your card. Establishing Credit Though Student Credit Cards By : Nick Makaryk Although student credit cards come with certain limitations and restrictions, for the most part they can be used similar to more traditional cards. While some credit cards come with very strict guidelines, there are still a lot of companies that are willing to give college students and even high school students credit cards in order to help them build their credit up. Charity Credit Cards - A Good Deal? By : Michael D. Strauss Charity credit cards are often presented as an easy way to donate to charity without any cost to yourself, but is it really that simple? This article shows how there might be more cost effective options available. Credit cards are vend transaction settlements By : Ganesh Credit cards are used all over the world and they are the most popular payment system these days. It is a vend transaction settlement and the system is operated through the small plastic card which bears its name. Governed by ISO 7810, the standard that specifies credit cards size and shape, the substantial card itself always takes a similar format. Online Gambling and Credit Card Debt: A Bad Combination By : Jimmy Roos Gambling is seen by many as a nice pastime and an opportunity to get rich. However, the only reality that most people know is the reality of losing and huge debts. There are certain things you can do to keep yourself from getting caught up in this dangerous game. Credit Counseling Vs. Debt Settlement By : Robert Zangrilli Credit counseling or debt settlement? While naturally Franklin Debt Relief is inclined to argue on behalf of debt settlement over credit counseling, The Most Dangerous Online Credit Card Scams To Look Out For! By : Jimmy Roos There are many people who make a living out of stealing money from honest and unspecting folks. They do this by acquiring the details of credit card owners in unscrupulous ways, and then use it to empty the particular account, leaving the owner with huge bills they cannot explain. You could easily become the next victim if you don't know what to look out for. Is it possible to remove bankruptcy By : Rockmond Dunbar Any negative listing can be removed from a credit report if it is erroneous, questionable and disputable. However, negative items such as bankruptcy and unpaid debts are more difficult to remove from the credit report. This is primarily due to the operational systems of the credit bureaus rather than with the severity of the bad credit item such as bankruptcy or unpaid debt. About Sports Affinity Credit Cards By : Michael D. Strauss Sports affinity cards let you donate funds to your team at no direct cost to yourself, and also offer other benefits of interest to sports fans. Find out if one is right for you. Tips That Virtually Guarantee a Successful Credit Card Application By : Jimmy Roos Applying for a credit card is not just about going and filling out an application form. There are a few things you need to know before you apply for a credit card. These tips will greatly increase your chances of success. On the other hand not knowing these things will leave you severly disadvantaged. A Few Steps To Prevent Credit Card Fraud From Happening To You! By : Jimmy Roos Credit card fraud is on the rise worldwide, so how can you as a credit card user make sure that you are safe? Perhaps its not possible to be 100% safe, but there are certainly a number of things that you can do to considerably reduce your chances of becoming a statistic. And the sooner you know about it the better. Why should I repair my credit? By : Rockmond Dunbar Nowadays, with identity theft rampant and possibility of data entry errors it is a high probability that your credit report contains entries that do not belong to you. Incorrect items on your credit report will negatively impact your overall credit score which in turn will cost you thousands of dollars of interest when you get loans for your car or house. How can I repair my credit report? By : Rockmond Dunbar Hiring a lawyer can be extraordinarily expensive at rates of over $300 per hour of work. Hiring a credit counseling company typically costs upwards of $1,500, and can be risky as there are many credit counseling companies with shaky reputation which make big promises, but in reality just take advantage of customers without any real results. How much does bad credit cost? By : Rockmond Dunbar Most people are not aware of just how much a bad credit score can impact the interest that they pay on loans and credit cards. Unfortunately, bad credit does cost you real money. You can use the examples below to get a better understanding of what your credit score may be costing you. The Credit Implications of Paying the Minimums on Credit Cards By : Robert Zangrilli This article discusses the financial implications of only paying the minimums on your credit cards. It provides an analysis of the proper mindset one must use when dealing with credit issues. Things You Probably Don’t Know Affect Your Credit By : Robert Zangrilli This article offers tips on ways to improve your credit. It also offers some pointers on things that you may not have known affect your credit negatively. Things To Know About Wine By : Xav Moldonio Sooner or later, you will fall like Alice down the hole into the land known as wine. Don’t worry. It is a tasty and satisfying trip. Here is a “travel guide” on some wine things you might want to know. Top 5 Reasons Why You Need Credit Repair Specialists Working For You. We Can Save You Money With Our Program! By : JoAnn Black Iowa Credit services is a nationwide credit repair company. We have trained credit repair specialists that work directly with you and on your behalf to repair your credit score. We are backed by the BBB and the FTC. We have a one time fee, and our results are fast. Online Credit Cards By : Nick Makaryk It is now easier than ever to apply for a credit card. When you use online methods, your answer is just a mouse click away.It is no longer necessary to wait weeks to get an answer to your credit card application. What Does Your Credit History Look Like? By : Cornie Herring If you have ever taken out a loan, used a credit card or taken advantage of a "buy now, pay later" offer, you will have a credit history. You may think your credit history is perfect because you have never been late or missed any of your loan payment. But there may have errors in it; thus, It is important to get a copy of your credit history, check it and correct it if you found errors. Why Choose A Gas Credit Card? By : Michael D. Strauss Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card? Bad Credit Credit Cards - Avoid Hurting Your Credit Further By : Arthor Pens When you have bad credit, the last thing you want to do is make it worse. If you have not learned your lesson, you might just do that if you obtain bad credit credit cards. Before you receive your credit cards for bad credit you want to make sure that you are financially and mentally ready. Tricks Credit Card Companies Use To Ramp Up Your Bills By : Michael D. Strauss Credit card companies are notorious for squeezing every last drop of profit out of their customers. Find out the ways they do this and how to keep in front. Why Does Your Credit Card Rate Keep Going Up? By : rateempire Have your read your credit card contract through completely? Do you know when it is okay for your creditor to raise your interest rates? If you are not sure about how and when your rates can be affected over the life of your contract you should take a few minutes to read your contract thoroughly from beginning to end. An Introduction To Affinity Credit Cards By : Michael D. Strauss Affinity credit cards are becoming increasingly popular, offering a new range of benefits and features. Find out what they are, what they offer, and whether one could be right for you. Credit Cards for People with Very Bad Credit By : Arthor Pens Credit Cards for people with very bad credit are no longer a myth. Mostly fueled by over spending, bad credit is rising across the nation. A recent survey showed that nearly 1 out of every 7 Americans has a below 600 credit score. What Can You Do if You Have Problem Fixing Your Credit Report? By : rateempire Have you ever had a problem that just won't be resolved? The endless phone calls, letters and hours of worry can really start to get to you. What is Credit Counseling All About? By : rateempire Many people who are suffering from extreme financial troubles due to debt have successfully made use of credit counseling services. While it is often spoken of in the same breath with debt negotiation it is really quite different. How Can A Bankruptcy Affect Your Chances Of Getting A Credit Card By : Arthor Pens Many consumers are under the impression that if you end up in a bad credit situation that leads into bankruptcy that there is no chance of getting a credit card ever again. Well this is not the case as it is very possible... Tips For Selecting The Right Type Of Secured Credit Card By : Arthor Pens If bad credit, or no credit for that matter, is your current credit situation then finding a secured credit card may be the only option you have to get a credit card. Be Aware that Credit Cards Change By : rateempire The changes in terms for your credit card can impact you financially. So many people simply pull the statement out of the envelope and never read any of the changes in terms or other materials sent by the credit card company. The Benefits And Disadvantages Of Student Credit Cards By : Jimmy Roos Credit cards can both be a blessing and a curse. It depends on you the person owning and using it. Knowing all the facts about the benefits and dangers of credit cards will be to your advantage. Things To Do To Increase Your Credit Card Limit By : Jimmy Roos Many people think that they are stuck with the original limit they are given by their credit card company. However the reality is that you can increase your credit limit. The following proven tips will virtually guarantees that your application for an increase in your credit card limit will be approved. How To Choose The Right Credit Card For You By : Jimmy Roos Picking a credit card without knowing what to look for is likely to get you into a lot of credit card debt fast. The following article offers helpful tips to anybody who is looking for a new credit card but doesn't know how to pick a credit card from the multitude of offerings in the marketplace. Are Cash Back Credit Cards A Good Thing? By : Jimmy Roos Receiving cash back offers always gets people interested. Especially if it means that you can make purchases with your credit card and getting cash back. It's like getting paid to shop, but isn't there a catch, because it sounds too good to be true. Credit Card Debt Relief Services By : Arthor Pens Consumers will find that debt relief from your credit cards can take on many different forms. The first step that you as the consumer should take is to owe up to whatever it is that you owe and what about your spending habits needs to be changed. The Good & Bad Points Of A Prepaid Debit Card By : Arthor Pens Something that could be looked upon as both a good and bad point of having a prepaid debit card is that you are given no credit privileges. What this means is that you are only able to spend what is deposited on your card and nothing more than that. Consumers Must Request A Credit Card That Offers Cash Rebates By : Angelknight You know credit cards that offer rebates give you cash rewards every time you make a purchase using the card. Did you know, in spite of the fact there are many types of reward credit cards, more and more credit card companies are leaning towards cash back incentives? The single, most significant, reason credit card companies are doing this is because people prefer to get cash back over any other kind of credit card reward. It Is Better To Get Your Credit Card Online By : Angelknight Most of us get credit card offers through traditional snail – U.S. Postal Service - mail, and we know how those offers work. Consider Getting The More Credit Card From Discover By : Angelknight There are a lot of credit cards on the market today offering great value to credit card using consumers. Among those credit cards are the Discover More Cards. You Must Have The Blue American Express Card By : Angelknight Today, credit cards are loaded with great features and benefits. The American Express Blue card is no exception. As a matter of fact, it is one of the better credit cards to own. Credit card collection agencies secrets By : rateempire Have you ever wondered why collection agencies keep calling you more often? There are numerous situations that credit collectors use to get the money you owe. Facilitate e-transaction with Internet Merchant Accounts By : Fast Charge Anybody familiar with electronic transaction or e-commerce over the internet like purchasing products by paying through credit cards will be familiar with the term Internet Merchant Account. Getting A Credit Card With Bad Or No Credit By : Arthor Pens So you have decided that you want to get a credit card only you may have credit that is not so hot or even no credit history what so ever. Getting Out Of Credit Card Debt By : Arthor Pens If you are simply paying the minimum balance on your credit cards each month it’s time to get a serious plan in place to get your credit card debt paid off. Tips For Responsible Credit Card Use When You Have Bad Credit By : Arthor Pens Developing responsible spending habits with your credits cards when you have bad credit will help you regain good credit standing and will help you from going further into debt. Credit Cards - Finding The Right One May Be A Challenge By : Angelknight As you look through the daily newspaper, you are probably amazed by the number of credit card offers offered. While shopping around the city you find credit card offers are omnipresent. This is also true with television which also advertises many different credit card offers. There is no getting around it, credit card offers are wherever you go. Do you wonder why there are so many credit card offers? Well, to be straight-forward, the foremost reason for so many offers is that the credit card business is highly lucrative for credit card issuers. After looking over the situation, when there seems to be an countless number of credit card offers, how do you decide what is the best credit card offer for you? Consumer Update - Useful Information For Online Card Usage By : Angelknight Technology has made possible the usage of credit cards online. Since the beginning of the internet, knowledge and communication barriers have been altered, considerably. Plus, with the beginning of the internet, has come the arrival of e-shops (electronic shops) and virtual shops that exist only on the internet. Now, since we have e-shops and virtual shops we, consumers, are positioned to make purchases from these internet shops using a credit card. This we can do by making use of the internet store’s credit card payment approval facility. Once our online credit card payments are accepted and verified, the purchased goods are delivered to our doorstep. This is purchasing convenience at its best. Having more and more e-shops popping up everyday, online credit card usage is becoming more popular than ever. The option to accept internet credit card payments has brought an entirely new dimension to shopping, for both merchants and consumers. Credit Cards For People With Bad Credit- Facts By : Arthor Pens Credit cards for bad credit are certainly not going to be the best credit deals, but credit cards for people with bad credit might the only options available. You Should Have The Blue American Express Card By : Angelknight Today, credit cards are loaded with great features and benefits. The American Express Blue card is no exception. As a matter of fact, it is one of the better credit cards to own. It Just May Be Time To Apply For A Credit Card By : Angelknight Are you researching if you should apply for a credit card Well, to be frank, if you are like most of us, living in the civilized world, the answer to, should I apply for a credit card is, yes. Credit cards have transformed our lives. In fact, credit cards are a modern, financial revolution. No matter, and almost everywhere you go you find ads on TV and websites, in newspapers and stores almost demanding you to apply for a credit card. Also, if you observe others around you, you will see that most people have credit cards. As a matter of fact, most people have more than one credit card. Nearly every adult and young adult applies for a credit card. So, maybe you should you apply for a credit card too. Airline Credit Card – An Excellent Way To Keep Flying By : Angelknight Individuals who fly should have airline credit cards. Air miles credit cards give you points or miles, for each purchase you make with the card and the miles or points are redeemable for travel related expenses. You can use your points or miles for free airline tickets to destinations of your choosing. Should you happen to be among that elite group we refer to as frequent flyers, because of your often use of travel you collect miles and points faster, and that can save you substantially on your travel and airfare expenses. A Brief History Of Credit Cards By : Michael D. Strauss Despite being so commonplace in modern life, credit cards have a relatively short history. Read when the first cards appeared, and how they developed into the products we know today.
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