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The first and largest network was originally called the “BankAmericard.” Established in 1958 by Bank of America in an effort to offer a credit product geared toward consumers rather than toward businesses, initially the card flopped. You know them: Visa, Mastercard, American Express and Discover. Four major credit card networks dominate global markets. A credit card is a powerful tool issued by a financial institution such as a bank or credit union allowing you to borrow funds.įinancial institutions use a third-party company called a credit card network to facilitate communication between the terminal of payment and the issuing bank. Yes, even the shape and the substance of the card itself. The Four Major Credit Card Networks: A Brief HistoryĪ credit card is more than a rectangular slip of plastic and metal. These are provided as guidelines only and approval is not guaranteed. This is just one scoring method and a credit card issuer may use another method when considering your application. You can take advantage of this offer when you apply now.Ĭredit Score ranges are based on FICO® credit scoring.
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