A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. In other words, credit cards combine payment services with extensions of credit. Complex fee structures in the credit card industry may limit customers' ability to comparison shop, helping to ensure that the industry is not price-competitive and helping to maximize industry profits. Due to concerns about this, many legislatures have regulated credit card fees.
A credit card is different from a charge card, which requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.
A payment is the trade of value from one party (such as a person or company) to another for goods, or services, or to fulfill a legal obligation.
Payment can take a variety of forms. Barter, the exchange of one good or service for another, is a form of payment. The most common means of payment involve use of money, cheque, or debit, credit or bank transfers. Payments may also take complicated forms, such as stock issues or the transfer of anything of value or benefit to the parties. In US law, the payer is the party making a payment while the payee is the party receiving the payment. In trade, payments are frequently preceded by an invoice or bill.
In general, the payee is at liberty to determine what method of payment he or she will accept; though normally laws require the payer to accept the country's legal tender up to a prescribed limit. Payment is most commonly effected in the local currency of the payee, unless if the parties agree otherwise. Payment in another currency involves an additional foreign exchange transaction. The payee may compromise on a debt, i.e., accept a part payment in full settlement of a debtor's obligation, or may offer a discount, for example, for payment in cash, or for prompt payment, etc. On the other hand, the payee may impose a surcharge, for example, as a late payment fee, or for use of a certain credit card, etc.
The acceptance of a payment by the payee extinguishes a debt or other obligation. A creditor cannot unreasonably refuse to accept a payment, but payment can be refused in some circumstances, for example, on a Sunday or outside banking hours. A payee is usually obligated to acknowledge payment by producing a receipt to the payer. A receipt may be an endorsement on an account as "paid in full". The giving of a guarantee or other security for a debt does not constitute a payment.
Money is any item or verifiable record that is generally accepted as payment for goods and services and repayment of debts, such as taxes, in a particular country or socio-economic context. The main functions of money are distinguished as: a medium of exchange, a unit of account, a store of value and sometimes, a standard of deferred payment. Any item or verifiable record that fulfils these functions can be considered as money.
Money is historically an emergent market phenomenon establishing a commodity money, but nearly all contemporary money systems are based on fiat money. Fiat money, like any check or note of debt, is without use value as a physical commodity. It derives its value by being declared by a government to be legal tender; that is, it must be accepted as a form of payment within the boundaries of the country, for "all debts, public and private". Counterfeit money can cause good money to lose its value.
The money supply of a country consists of currency (banknotes and coins) and, depending on the particular definition used, one or more types of bank money (the balances held in checking accounts, savings accounts, and other types of bank accounts). Bank money, which consists only of records (mostly computerized in modern banking), forms by far the largest part of broad money in developed countries.
GRiT is a trio group dance vocal group with an attractive gap between intense cool dance and sweet and singing voice. On February 1, 2017, he announced his formation as a nova of the male artist scene based on the group, and has repeatedly conducted steady activities such as live street performances and van events. On this day, we played a performance that will be a culmination of the first anniversary of the formation, with content that can be enjoyed plentifully, including cover songs from their original songs and solo performances.
White is the lightest color and is achromatic (having no hue). It is the color of fresh snow, chalk, and milk, and is the opposite of black. White objects fully reflect and scatter all the visible wavelengths of light. White on television and computer screens is created by a mixture of red, blue and green light.
BLACK IRIS is a dance vocal group with five people: Shota Kawasaki from Saitama, Takuya Sugimoto from Kumamoto, Rio Hayano from Fukuoka, Go Handa from Fukuoka, Hiroki Saito from Aomori. They are active mainly in Tokyo's live housey in Harajuku. It was formed in March, 2018. Their free style which is addicted many high school teen girls in their twenties. Now they are possible to hold live alone on August 13th, 2018.
Black Iris don't have leader anyway, they are a friendly group. It is a group that makes everything by disseminating themselves to each other, letting out their free ideas to reach the common ones. It's a young group that has just started, but now it's getting bigger with their fans.
Banquet is a beautiful appearance dance vocal group formed in October 2016. The five people who were active in shows as dancers and models. The name of their group is that they express the best "hospitality" they can at a party, make everyone enjoy and appreciate. Members: KaiTo, GAKU, YUMA, yusuke, Toshi
AIRPEN was formed in Osaka on February 21, 2015. It is a dance & vocal unit consisting of three members: Satoshi, RYO and KOCKY. They are unique with interesting dance performances and disco-funk-style that revitalizes the '80s. They are active in Tokyo.
Satoshi appeared on the Nippon Television "24 hour TV Dance Koshien", appeared as a Japanese guest in France "UNIVERSAL DANCERS", a back dancer in the MV "Find The Answer" of Arashi. He got many awards in dancing such as Champion at DANCE ATTACK, champion at TRUE SKOOL GRAND CHAMPION, Finalist at JAPAN DANCE DELIGHT vol. 18; 3rd place at BUZZ STYLE Osaka; champion at KING DANCE CONTEST Osaka tournament HAISAI Osaka tournament, ZERO CONTEST Tokyo.
RYO is the support member of Dong Bang Shin Ki, JYJ, Kyocera Dome. He got Grand Prize at Kibidon Dance Contest; second place in the DANCE GAME contest. He is a back dancer in the MV "Find The Answer" of Arashi
KOCKY appeared on TV TOKYO "HacktsuBerry"; MV "Summer memories in the wind" of AAA. He passed the program "Road to Broadway" audition in the show and appeared in the showcase in NY. He co-starred with Kato Miliya "HEART BEAT" Londo. He is a finalist of JAPAN DANCE DELIGHT vol. 18; champion of HAISAI Osaka tournament, ZERO CONTEST Tokyo; TRUE SKOOL GRAND CHAMPION; a back dancer in the MV "Find The Answer" of Arashi
FAYS was founded in January 2017, a dance & vocal group consisting of SHUNTA, KAZUKI, YUYA, and YUKIYA. They apply the latest vocal skills and highly accurate dance performance, also catching the latest trends in world music. They also work creatively by creating music, choreography, and costumes by themselves.
N0NAME is a Four-person dance & vocal unit.
April 2017 Organized live activities around Nagoya
October 2017 SHOJI joins as a new member
February 2018 One man live at LOOP NEO (Nagoya). The tickets were sold out.
April 2018 The company based in Nagoya moved to Tokyo. Currently, their activities are being carried out in the city of Nagoya, with a focus on Nagoya.
October 13, 2018 released single "Need you Girl".
WIN = W1N (Win-to-Win) is a 6-piece dance vocal group with 2 main vocals and 2 lead vocals and 2 raps produced by KEN. They debuted in 2019. The official debut date is January 24, 2019.
WIN = W1 N includes Kensuke Sanmoto (KENSUKE) Ryuki Takahashi (RYUKI) Yasutoshi Shiraishi (TAICHI) Rei Wakiyama (RAY) Daiki Igarashi (TAIKI) Osamu Okuhara (SHU). They are 2 main vocals, 2 lead vocals, 2 raps building a dance vocal unit consisting of six members. Member KENSUKE is active as a lyricist, and is in charge of music production at WIN = W1N. The members RAY and TAIKI are also active as choreographers and are in charge of choreographing with WIN = W1N.