Pricing Jay Pennington T
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Unsourced material may be challenged and removed. January Learn how and when to remove this template message A charge card is a card that provides a payment method enabling the charge for editing services 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. It can also be a smart card. Though the terms charge card and credit card are sometimes used interchangeably, they are distinct protocols of financial transactions.
Credit cards are revolving credit instruments that do not need to be paid in full every month. There is no late fee payable so long as the minimum payment is made at specified intervals usually every thirty days. The balance of the account accrues interest, which may be backdated to the date of initial purchase.
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Charge cards are typically issued without spending limits, but credit cards usually have a specified credit limit that the cardholder may not exceed. History[ edit ] InWestern Union opened the first charge account for its customers and provided them with a paper identification.
There were many larger department stores which opened store charge accounts for their customers with paper identification, enabling the customer to make purchases on credit provided by the store. However, these accounts could be used only within the store which issued them.
InDiners Club began opening charge accounts with paper identification cards, directed at the travel and entertainment markets. The novel feature of these cards was that the charge card could be used in a large number of stores.
These stores had to enter an agreement with Diners Club, and pay a fee to the company. For the fee, Diners Club carried the cost of setting up accounts, authorizing each transaction, processing transactions and collections, bore the financing costs and assumed the risk of cardholders defaulting.
The new system was especially appealing to smaller stores in competition with the larger stores but who could not justify setting up their own charge account facilities.
Eventually the larger stores began accepting these cards, testifying that the fees charged by the card operator were lower than the store's cost in running their own store accounts.
In Europe, the MasterCard -affiliated Maestro brand which is a debit card rather than a charge card replaced the European Eurocheque brand for payment cards in Many Eurocheque cards, particularly in such countries as Austria and Germanywere charge cards branded with the Eurocheque logo.
In addition, the European Eurocardissued as the competitor for American Express was, and in some countries such as the Nordic countries still is, a charge card. Visa charge cards are also available in Europe.
Operation[ edit ] The user of the charge card has to pay the balance of their account at the end of each month and the charge card company, unlike a credit card, does not charge interest.
Many charge cards have the option for users to pay for some purchases over time. While consumers often take NPSL to mean that their cards are without limits, NPSL really means that a card's limit changes, often from month-to-month, based on factors such as consumer charging and payment history as well overall economic trends.
According to a CardHub. Some retailers issue charge cards to customers.Critique includes: My overall assessment of your manuscript will address plot and character development strengths and weaknesses.
I will point out areas where improvement is . I wish I could tell you that proofreading will always cost one cent per word, copyediting two cents per word, and developmental editing three cents per word, but the truth is much hazier than that. Developmental editing involves the entire development and organization of the book, the characters, the story line, and the pace in which it is told.
The developmental editor often suggests the order in which the chapters are presented, as well as the overall content, flow, and arrangement of text. How Much Should a Book Editor Charge.
All articles published in our journals are open access and freely available online, immediately upon publication. This is made possible by an article-processing charge (APC) that covers the range of publishing services we provide.
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