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Bankcards
Bankcards are accepted 26 ____ millions of businesses in the United States and abroad. They can be used at hotels, restaurants, department stores, theatres, airline ticket offices – just almost everywhere. Visa and MasterCard are the best-known bankcards. 27 ____ are also most established, having been first offered to consumers more than 25 years ago. The Discovery Card is the 28____. Consumers have been drawn to the Discovery Card by 29____ discounts (up to $150 on certain purchases) and an annual rebate (1 percent of the amount charged against the card). A 30____ works much like a revolving charge account. 31 ____ the balance is not paid in full, a finance charge 32 ___. The minimum monthly payment, set by the bank, is often quite low – 4 or 5 percent. The finance charge, on the other hand, can be quite high – up to 22 percent. In addition, for the convenience of being able to charge purchases anywhere, the cardholders must, in most cases, 33 ____ the bank an annual membership fee of $25 to $30. Bankcard charges rose sharply in the early 1980s and remained high, despite falling interest rates. Criticism of this fact has led some banks to begin lowering their 34 ____. 35 ____ should therefore shop for bank card credit by looking for a card that has lower finance charge and/or no annual fee.