"""Is You Is or Is You Ain't My Baby""). Yet another slogan was """"It takes the waiting out of wanting"""". Access were shirt sponsors of Southend United Football Club in the beginning of 1980s. Access (credit card) Access was a British and Irish credit card brand used by three of the big four banks in the United Kingdom, plus a couple of other banks between 1972 and 1996. It was established by a consortium of banks in the United Kingdom, to rival the already established Barclaycard. It became defunct in 1996, when it was taken over by MasterCard. The Access"
"Barclaycard Barclaycard (; stylized as barclaycard) is a multinational credit card and payment services provider, and a division of Barclays plc. Barclaycard has over ten million customers in the United Kingdom. Barclaycard was launched on 29 June 1966, initially as a charge card, but following Bank of England agreement to the offering of revolving credit it became the first credit card in the United Kingdom on 8 November 1967. It enjoyed a monopoly of the credit card market in the United Kingdom, until the introduction of the Access card in 1972. Barclaycard was not the first payment card to be"
"as Verified by Visa and MasterCard Secure Code), nor for most contactless transactions. In the United Kingdom, banks started to issue debit cards in the mid-1980s in a bid to reduce the number of cheques being used at the point of sale, which are costly for the banks to process; the first bank to do so was Barclays with the ""Barclays Connect"" card. As in most countries, fees paid by merchants in the United Kingdom to accept credit cards are a percentage of the transaction amount, which funds card holders' interest-free credit periods as well as incentive schemes such as"
"issued in the United Kingdom though; Diners Club and American Express launched their charge cards in 1962 and 1963 respectively. Barclaycard was originally a BankAmericard licensee, and became part of the Visa network on its formation in 1975. In July 2003, Barclaycard took over the United Kingdom wing of the American Company Providian National Bank, known as Monument, when it was sold off due to financial irregularities of its American parent company. Barclaycard sold the Monument business and premises to Compucredit in April 2007. In March 2011, Barclays announced that it would be buying the British credit card business arm"
"and the first venture in England, in Blackpool). Goldberg's also owned the Schuh, and Ted Baker chains. Goldbergs had its own in-house credit arrangements for its customers, based on three months' credit, plus a 5 per cent discount if the bill was settled at the end of three months. This offering was transformed into the Style credit card which benefited from the large customer base and the new EPoS system. Style was launched at the beginning of 1982 and followed the lines of other credit cards with no interest incurred for prompt monthly payment. Otherwise, minimum monthly payments could be"
"female bank manager. Hilda Harding managed Barclays' Hanover Square branch in London until her retirement in 1970. In 1965, Barclays established a US affiliate, Barclays Bank of California in San Francisco. Barclays launched the first credit card in the UK, Barclaycard, in 1966. On 27 June 1967, Barclays deployed the world's first cash machine, in Enfield. The British actor Reg Varney was the first person to use the machine. In 1969, a planned merger with Martins Bank and Lloyds Bank was blocked by the Monopolies and Mergers Commission, but the acquisition of Martins Bank on its own was later permitted."
"and Archbishop of Canterbury from 1375–81, introduced the Poll Tax in Sudbury in the 1300s and the subsequent Peasants' Revolt in Essex in May 1381 was led by Wat Tyler. Elizabeth Garrett Anderson, from Suffolk, qualified as Britain's first female doctor in 1865, and was the granddaughter of Richard Garrett, whose company produced some of the first steam-powered road vehicles. On 3 October 1959 postcodes were introduced in the UK at Norwich only; Norwich was the first main town in the UK to be pedestrianised in 1967. The Access credit card was introduced in October 1972 from Southend. King's Lynn"
"credit cards. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. The company was established in 1880 by Joshua Kelley Waddilove to provide affordable credit to families in West Yorkshire. It has moved into a , £45 million, flagship headquarters building in the city centre creating hundreds of jobs for the city. The building also houses a 200-bed Jurys Inn hotel. In October 2011 Plans to regenerate Bradford city centre, including the long-delayed Broadway shopping centre, was given a boost as Bradford Council secured £17.6 million of regional growth funding from the"
"and supplied cash as a three-month loan at 5% p.a. after inserting a credit card. The device was operational in 1966. Adrian Ashfield invented the basic idea of a card combining the key and user's identity in February 1962. This was granted UK Patent 959,713 for ""Access Controller"" in June 1964 and assigned to W. S. Atkins & Partners who employed Ashfield. He was paid ten shillings for this, the standard sum for all patents. It was originally intended to dispense petrol but the patent covered all uses. In the US patent record, Luther George Simjian has been credited with"
"in the UK is one of the most significant in the world, with most major chains operating some form of reward system. Passcard has been claimed to be the first reward scheme or discount card, created around by Gary Wilson in 1981 and later known as Passkey. One of the first loyalty cards backed by a major chain is believed to be the Sainsbury's Homebase Spend and Save Card in 1982. Of the ""big four"" supermarkets, Sainsburys and Tesco and Morrisons operate loyalty cards for general supermarket shopping.Tesco's Clubcard scheme have been criticised for not offering value for money. When"
"card for purchases was described in 1887 by Edward Bellamy in his utopian novel ""Looking Backward"". Bellamy used the term ""credit card"" eleven times in this novel, although this referred to a card for spending a citizen's dividend from the government, rather than borrowing, making it more similar to a Debit card. Charge coins and other similar items were used from the late 19th century to the 1930s. They came in various shapes and sizes; with materials made out of celluloid (an early type of plastic), copper, aluminum, steel, and other types of whitish metals. Each charge coin usually had"
"1987, the first debit card in the United Kingdom. In 1988, Barclays sold Barclays Bank of California, which at that time was the 17th-largest bank in California measured by assets, to Wells Fargo for US$125 million in cash. Edgar Pearce, the ""Mardi Gra Bomber"", began a terror campaign against the bank and the supermarket chain Sainsbury's in 1994. In 1996, Barclays bought Wells Fargo Nikko Investment Advisors (WFNIA) and merged it with BZW Investment Management to form Barclays Global Investors. Two years later, in 1998, the BZW business was broken up and parts were sold to Credit Suisse First Boston:"
"million accounts—one in four Britons—with £283 million (£ million today) on deposit. The British system first offered only savings accounts. In 1880, it also became a retail outlet for government bonds, and in 1916 introduced war savings certificates, which were renamed National Savings Certificates in 1920. In 1956, it launched a lottery bond, the Premium Bond, which became its most popular savings certificate. Post Office Savings Bank became National Savings Bank in 1969, later renamed National Savings and Investments (NS&I), an agency of HM Treasury. While continuing to offer National Savings services, the (then) General Post Office, created the National"
"continued to be issued. Likewise, in the same month The Royal Bank of Scotland Group (Europe's largest debit card issuer which includes the Royal Bank of Scotland, NatWest, Coutts and Ulster Bank) switched from Maestro to Visa Debit, a process that would take two years to complete. Switch (debit card) Switch was a debit card brand in the United Kingdom from 1988 until 2002. It was then merged with Maestro, which is owned by MasterCard. Switch was launched in 1988 by Midland Bank, National Westminster Bank and the Royal Bank of Scotland as a multifunction cheque guarantee and cash card."
"with the Freedom Rewards credit card. OnePulse OnePulse was the name given to a credit card that was issued by Barclaycard that combined the functionality of Transport for London's Oyster card with a Visa contactless enabled credit card. Barclaycard OnePulse was launched in early September 2007. Barclaycard has now started to change and simplify its range of credit cards and has started moving all OnePulse card holders to one of their other cards. In addition to the normal features of both a Visa credit card and the Oyster product, Barclaycard OnePulse included the ability to pay for low value items"
"The Co-operative Bank, Nationwide Building Society and The Royal Bank of Scotland Group. Visa payWave, American Express Expresspay, and MasterCard Contactless are examples of contactless credit cards which have become widespread in the U.S. and UK. The first contactless cards in the UK were issued by Barclaycard in 2007. , there are approximately 58 million contactless-enabled cards in use, in the UK, and over 147,000 terminals in use though this is growing in numbers and percentages of adoption. Telecom operators are starting to get involved in contactless payments via the use of near field communication phones. Belgacom's Pingping, for example,"
"company, ""Charge Card Services Limited"", to manage Bankcard and process credit card transactions. Each member bank issued its own variant of the Bankcard card and each established its own credit rules and maintained direct customer relations with its own cardholders. Bankcard was officially launched in October 1974 by then Prime Minister of Australia, Gough Whitlam. A significant marketing campaign followed the card's launch. This included what was then the biggest direct mail marketing campaign in Australia to date. Among other things, banks posted a card with a A$300 credit limit to potential clients, following analysis of their accounts. In 1974,"
"owner, Citicorp, was not willing to accept the eventual estimated costs of establishing another national credit card, after Sears had spent an estimated USD$80 million creating its Discover Card. Its fate was similar to that of Citibank's first credit card, the ""First National City Charge Service"" (or ""The Everything Card""), introduced on the East Coast in 1967 to compete with BankAmericard (today's Visa) but which became part of Master Charge (now MasterCard) in 1969. Choice (credit card) Choice was a credit card test marketed by Citibank in the United States, announced in 1977, and first issued in 1978. It was"
"could not be used as a simple age vetting mechanism; for example, when online grocers Ocado accepted Solo, they refused to sell razor blades or alcoholic beverages to those paying with the card Solo cards were also issued to people with a bad credit history to reduce the liability for the issuing bank. Solo (debit card) Solo was a debit card in the United Kingdom introduced as a sister to the then existing Switch. Launched on 1 July 1997 by the Switch Card Scheme, it was designed for use on deposit accounts, as well as by customers who did not"
"embedded on the card but is manually entered by the cardholder during point-of-sale (card present) transactions. Contactless card and chip cards may electronically generate their own code, such as iCVV or a ""dynamic"" CVV. CSC was originally developed in the UK as an eleven character alphanumeric code by Equifax employee Michael Stone in 1995. After testing with the Littlewoods Home Shopping group and NatWest bank, the concept was adopted by APACS (the UK Association of Payment Clearing Services) and streamlined to the three-digit code known today. MasterCard started issuing CVC2 numbers in 1997 and Visa in the United States issued"
"with an ATM card. ATM cards can also be used on improvised ATMs such as ""mini ATMs"", merchants' card terminals that deliver ATM features without any cash drawer. These terminals can also be used as cashless scrip ATMs by cashing the receipts they issue at the merchant's point of sale. Historically, bank cards have also served the purpose of a cheque guarantee card, a now almost defunct system to guarantee cheques at point of sale. The first bank cards were ATM cards issued by Barclays in London in 1967 and by Chemical Bank in Long Island, New York, in 1969."
"credit cards, such as free incentives (points, cashback etc. (the Tesco Bank debit card being one exception)), interest-free credit and protection against defaulting merchants under Section 75 of the Consumer Credit Act 1974. Almost all establishments in the United Kingdom that accept credit cards also accept debit cards, but a minority of merchants, for cost reasons, accept debit cards and not credit cards. It is the West Africa Economic and Monetary Union federating eight countries: Benin, Burkina Faso, Côte d'Ivoire, Guinée Bissau, Mali, Niger, Senegal and Togo. GIM-UEMOA is the regional switch féderating more than 120 members (banks, microfinances, electronic"
"involving Clubcards with a magnetic strip for ATM withdrawals. Dyer sent several letter bombs, one of which exploded when the recipient opened it, before Dyer was arrested in February 2001. David Sainsbury, then chairman of J Sainsbury plc, rejected the idea of introducing a similar scheme. However, the effect that Clubcard had on Sainsbury's sales led to the reversal of that decision, with the launch of the Sainsbury's Reward Card in June 1996. After two slight amendments to the design of cards in the 1990s by Evans Hunt Scott's creative team, the scheme had a major relaunch in 2005 with"
"base of operations. In 1969, the card was absorbed into Master Charge (now known as MasterCard), another card that had been developed by a membership association of four banks, the Interbank Card Association, which National City Bank joined. Citibank, as First National City Bank came to be known in 1976, made a further attempt in 1977 to create a proprietary credit card that was not tied to either Master Charge or Visa. The Choice card was, like the Everything Card, a regional credit card issued only by Citibank. It also proved unsuccessful, and its cards were reissued as Visa cards"
"Switch (debit card) Switch was a debit card brand in the United Kingdom from 1988 until 2002. It was then merged with Maestro, which is owned by MasterCard. Switch was launched in 1988 by Midland Bank, National Westminster Bank and the Royal Bank of Scotland as a multifunction cheque guarantee and cash card. The brand was merged with Maestro, an international debit card brand owned by MasterCard, in the end of 2002. This merger was referred to as the ""penguin wedding,"" due to its distinctive advertisements of penguins in different international settings created by Joel Veitch. Since then, Switch has"
"is no longer accepted. The card was first issued to the public on 30 June 2003, with a limited range of features and there continues to be a phased introduction of further functions. By June 2012, over 43 million Oyster cards had been issued and more than 80% of all journeys on public transport in London were made using the card. Since 2014, the use of Oyster cards has been supplemented by contactless credit and debit cards as part of TfL's ""Future Ticketing Programme"". TfL was the first public transport provider in the world to accept payment by contactless bank"
"preferences of the client, this may allow the card to be used as an ATM card, enabling transactions at automatic teller machines; or as debit card, linked to the client's bank account and able to be used for making purchases at the point of sale; or as a credit card attached to a revolving credit line supplied by the bank. The first bank cards were ATM cards issued by Barclays in London, in 1967, and by Chemical Bank in Long Island, New York, in 1969. In 1972, Lloyds Bank issued the first bank card to feature an information-encoding magnetic strip,"
"and credit cards. In 1908, Monseigneur Pierre Hevey, pastor of Sainte-Marie's parish in Manchester, organized what was soon to be known as the first credit union. The goal was to help the primarily Franco-American mill workers save and borrow money. On November 24, 1908, the business officially opened its doors in Manchester as ""La Caisse Populaire, Ste-Marie"" (The People’s Bank) and became the first credit union in the nation. In April 1909, the New Hampshire Senate and House of Representatives approved a charter to incorporate under the name of St. Mary's Cooperative Credit Association. Transactions were conducted at the home"
"in 1987. The Everything Card The First National City Charge Service, marketed as The Everything Card, was an early credit card introduced by First National City Bank (now Citibank) in the eastern United States in 1967. It was intended as a response to the BankAmericard (today's Visa card), issued by BankAmerica. Issued under the initiative of National City Bank President Walter B. Wriston, the card followed the bank's purchase of an interest in the Carte Blanche charge card. However, the card proved to be limited by its regional scope, as it was tied to the area surrounding the bank's New"
"customers cards (and cards due to renewal) will be replaced by a Visa Debit card co-branded with the national Bancomat network. In the Philippines, major banks like BDO, Unionbank, Landbank, Eastwest, and RCBC are the major issuers of Visa Debit. The only major competitor of Visa Debit is the Debit MasterCard. The first debit card in the United Kingdom was launched by Barclays in June 1987 under the ""Connect"" brand. NatWest followed with the ""Switch"" debit card in October 1988. Connect was later merged into Visa. The Visa Debit card was previously known as ""Visa Delta"" solely in the UK."
"Gibsons Games Gibsons Games is an independent, family owned British board game and jigsaw puzzle manufacturer, and the oldest of its kind in the United Kingdom. In 1903, Harry Gibson managed to obtain an unsecured loan of £500 from the Royal Bank of Scotland in Bishopsgate, London. This generous sum enabled him to start a business, which at that time was called The International Card Co. Trading from offices in Aldersgate Street, he supplied retailers with a range of products including card games and postcards; an unlikely combination these days, but back then, most towns would have a number of"
"in the mid-1960s in London and Scotland. The first recorded British credit union was the Hornsey Co-operative, established 1964 in North London by Caribbean families, and is the foundation of what is now London Capital Credit Union. Credit unions were popular in the Caribbean and large numbers of first generation Caribbean-British would become members of credit unions. By 1998, 38% of Caribbean British adults were members of credit unions. In Scotland, several credit unions were established by immigrants from Ireland. In Glasgow, credit union coverage and membership remains broad: one in six Glaswegians is member of a credit union, with"
"do so were introduced in Congress and some state legislatures. Some succeeded in the former goal, but those that sought to eliminate interest rate caps entirely failed. The term ""credit card"" had been used and proposed by utopian author Edward Bellamy in his 1887 book ""Looking Backward"". The first realizations of this model came during the Depression with Chargaplate, meant to encourage customers to spend money by introducing an alternative to cash and checks. Diners Club evolved in the early 50s as the first credit card company. In 1958, Bank of America had introduced BankAmeriCard (today's Visa), the first credit"