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Credit handling a long long time ago

Long before banks came to existence ancient people such as the Romans performed all major financial operations. Loans, mortgage and credit – all these terms were common 2,000 years ago. Antique lenders calculated interest rates and fees for using their services. There were due dates and collaterals. The biggest problem was debt. Just like today […]

Financial standing – a matter of concern at all times

As much as most Americans are concerned about their FICO points today people of the Middle Ages did their best to protect their financial reputation. With the development of trade and emersion of banking financial relationships were becoming more and more complicated. There was no independent financial institution that gathered information on creditworthiness of European […]

First banks – how it was years ago

The first banks were established as early as during the 3rd millennium BC. Most historians agree that religious temples served as the first financial institutions. Some researches even name the first bank in the world – the temple of Samas, the god of justice in the city of Sippar. It was the most reputable financial […]

Different cultures in terms of lending money

Different cultures have different perception of lending money. According to Islamic tradition a Muslim is not allowed to pay or collect interest. That is why credit system in Muslim countries develops differently from the credit system in the Western world. That doesn’t mean that Islamic banking does not exist. If a company needs to borrow […]

Some words about credit card interest rates

In America there is now no federal law about interest rates on credit cards. There used to be such a law, but during the Great Depression it was eliminated and was never put back. States regulate this matter themselves. So, banks and companies have their headquarters in states where there is no cap on interest […]

Barter is back on track

Barter as an alternative to cash has gained a great popularity in recent years. Barter was the first form of trade in ancient times and nowadays it experiences a kind of revival. Due to the development of modern technologies, internet exchange has become the most wide spreading form of modern barter. There are many websites […]

Swiping your credit card through a reader … How does it work?

When you make a payment, the merchant runs your plastic through the point of sale unit, and several steps of the transaction follow. 1) Your card number and transaction amount are sent for authorization, so that both the acquirer of the payment and the issuer could answer back to the merchant that the transaction is […]

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