The most important advantage of using a credit card is convenient. People can use credit card buy anything everywhere. For example‚ supermarket‚ drug store‚ clothes store‚ shopping center‚ restaurant….all general place are accepted a credit card. Moreover‚ people can remote purchase any products that they want‚ for it enables people to purchase products and services remotely via the internet or phone. When people using a credit card shopping by telephone or in the Internet can speed delivery and
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The commoditization in the credit card industry According to the Brand Keys (www.brandkeys.com) Brand Survivability Assessment‚ American Express (# 20) is the only financial brand in the top 50 brands recognized by Americans . Credit cards have become a commodity. From a historical perspective‚ store credit cards were the "modern" thing when they were introduced as new and convenient. They provided an additional touch point for stores with consumers‚ and some actual continuity early on too. But
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Police officers are born‚ not made. Discuss There are several different types of police officers‚ such as the new PCSOs (Police Community Support Officers) were introduced by English and Welsh Police Forces in 2002. PCSOs are civilians who are allowed to exercise limited police powers. Their introduction was quite controversial and met with opposition by the Police Federation‚ the organisation which represents police officers. As well as the more traditional Police roles. The policing of the
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benefit of e-cash for the consumer is that it enables those who don’t own a credit card to enjoy the opportunities of internet. Because of the undeveloped credit card industry in many developing countries‚ only a small segment of the population are able to acquire credit cards and can use the services or buy goods over the internet. In addition‚ the requirement of signature by the card owner hinders the ability of the credit card owners to use their cards on internet purchases. By using e-cash‚ more
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Credit scores are based on many factors and each financial institution may have specific methods unique to their scoring. But there are three common pillars that dictate your overall credit score that are common to most financial institutions. You need to address these three pillars in order to raise or increase your credit score. These three pillars of your credit score are payment history‚ amount of used available credit‚ and length of credit history. These three areas make up about 80% of most
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Background of the study The word credit has been derived Latin word “credo” which means I believe or I truest which signifies at trust of confidence reposed in another person. The term credit thus means reposing trust of confidence in some body. Credit is purchasing power not derived from income but created by financial institution either as an offset to idle income held by deposition in the bank or as a need addition to the total amount purchasing. By credit we mean the power which one person
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Justice‚ peace‚ honor. This is what a police officer has‚ but has anyone ever wonder what a police officer has to do to become what he is? Of course they do not‚ hardly anyone does. Police officers have a dangerous career that requires two years of collage in the criminal division‚ and require kindness towards all. When becoming a police officer‚ everyone has to have a bachelors degree and an agency training academy. The bachelor degree will be obtained by going to collage for four+ years majoring
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Emerging issue Officer use of force is on the rise within the Delano Police Department (DPD). Within the last 12 months‚ the department has observed a total of 46 use of force incidents. In comparison‚ over the same previous 12 month period the department had 20 use of force incidents. This figure represents over a 120 % increase. In reviewing the use of force reports for these force incidents‚ in every incident officers either had to use physical force such as their hands‚ police batons‚ or brute
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Evaluation of credit rating Memorandum: Credit Rating assignment: Home Depot‚ Inc. After analysing the financial statements of Home Depot‚ we have allocated a “C” rating of credit risk. The proposal is to start with the “C” rating and then to either upgrade to a “B” rating or to be down graded to a “D” rating. The reason for such a decision is discussed below. Home Depot has a current ratio of 1.19 to 1 which means that it’s current assets covers it’s current liabilities by 1.19 times.
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Chapter-01 Introduction 1.1 Introduction 1.2 Importance of the study 1.3 Objective 1.4 Methodology 1.5 Limitation of the study 1.1 Introduction Leasing is one of the fastest-growing ways of financing equipment in business today. For the last three years‚ the leasing industry experienced average growth rate of around 30 percent‚ although the market penetration remains very low range of 3-4 percent of medium term financing. With the new leasing companies and active participation of
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