{"id":1083,"date":"2012-02-15T01:00:57","date_gmt":"2012-02-14T23:00:57","guid":{"rendered":"http:\/\/www.ilkkimbuldu.com\/?p=1083"},"modified":"2018-02-09T12:33:27","modified_gmt":"2018-02-09T10:33:27","slug":"kredi-kartini-kim-buldu","status":"publish","type":"post","link":"https:\/\/www.ilkkimbuldu.com\/?p=1083","title":{"rendered":"Kredi Kart\u0131n\u0131 kim buldu"},"content":{"rendered":"

Kredi kartlar\u0131 al\u0131\u015fveri\u015fte, mal ve hizmet sat\u0131n almada \u00f6deme arac\u0131 olarak kullan\u0131labilen, sahibi olan ki\u015fiye ald\u0131\u011f\u0131 mal veya hizmeti taksitle veya daha sonra \u00f6deme imkan\u0131 sunan kartlard\u0131r.<\/p>\n

Kredi kart\u0131n\u0131 kim icat etti<\/h2>\n

G\u00fcn\u00fcm\u00fcz\u00fcn en \u00f6nemli \u00f6deme ara\u00e7lar\u0131ndan biri olan kredi kartlar\u0131 ilk olarak Amerika Birle\u015fik Devletleri\u2019nde Western Union taraf\u0131ndan 1914 y\u0131l\u0131nda kullan\u0131lm\u0131\u015ft\u0131r. 1924 y\u0131l\u0131nda General Petroleum Company, ilk petrol kredi kart\u0131n\u0131 \u00e7\u0131kararak m\u00fc\u015fterilerine istasyonlar\u0131ndan kart kullanarak benzin alma imkan\u0131n\u0131 sunmu\u015ftur. \u00d6nceleri s\u0131n\u0131rl\u0131 bir kullan\u0131ma elveri\u015fli olan kredi kartlar\u0131ndan daha kapsaml\u0131 bir \u015fekilde faydalan\u0131lmas\u0131 \u0130kinci D\u00fcnya Sava\u015f\u0131 sonras\u0131na rastlar.<\/p>\n

\u0130lk Banka Kredi Kart\u0131 – Kredi kart\u0131n\u0131n mucidi<\/h2>\n

\u0130lk banka kredi kart\u0131’n\u0131 icat eden ki\u015fi New York’taki Flatbush National Bank of Brooklyn’deki John Biggins<\/strong>‘ti.<\/p>\n

Biggins, 1946’da banka m\u00fc\u015fterileri ve yerel t\u00fcccarlar aras\u0131nda bir \u00fccretlendirme sistemi olan “Charge-It” program\u0131n\u0131 icat etti. \u0130\u015fleyi\u015fi, m\u00fc\u015fteri banka kart\u0131n\u0131 kullanarak al\u0131\u015f veri\u015f yapar, i\u015flem sonucunda bir slip ortaya \u00e7\u0131kar.\u00a0T\u00fcccarlar bankaya bu slipleri (sat\u0131\u015f fi\u015fi) teslim eder ve banka t\u00fcccar\u0131n hesab\u0131na al\u0131\u015fveri\u015f kar\u015f\u0131l\u0131\u011f\u0131 olan paray\u0131 yat\u0131r\u0131r \u015feklindeydi.<\/p>\n

1950 y\u0131l\u0131nda Diners Club ilk seyahat ve tatil kart\u0131 uygulamas\u0131n\u0131 ba\u015flatm\u0131\u015f, 1958 y\u0131l\u0131nda Bank of America \u201cBank Americard<\/strong>\u201d ad\u0131 alt\u0131nda ve Amexco \u201cAmerican Express<\/strong>\u201d ad\u0131 alt\u0131nda ilk uluslararas\u0131 kredi kartlar\u0131n\u0131 \u00e7\u0131kartm\u0131\u015flard\u0131r. 1960\u2019l\u0131 y\u0131llarda Fransa\u2019da Card Blanch \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131r.<\/p>\n

Avrupa\u2019da kredi kartlar\u0131 1970\u2019lerden sonra yayg\u0131nla\u015fm\u0131\u015ft\u0131r. 1965 y\u0131l\u0131nda Bank of America, di\u011fer bankalara mavi, beyaz ve alt\u0131n renklerinden meydana gelen Bank Americard\u2019\u0131 \u00e7\u0131karmalar\u0131 i\u00e7in lisans vermeye ba\u015flam\u0131\u015ft\u0131r.<\/p>\n

Yine 1965\u2019te ABD\u2019nin do\u011fu eyaletlerindeki on d\u00f6rt banka, Bank Americard\u2019a rakip olmak i\u00e7in Interbank ad\u0131 alt\u0131nda bir takas kurulu\u015fu meydana getirmi\u015flerdir. 1967\u2019de ABD\u2019nin bat\u0131s\u0131ndaki on d\u00f6rt eyaletin bankalar\u0131 birle\u015fip Mastercharge program\u0131na dahil olmu\u015flar ve 1970-1974 y\u0131llar\u0131 aras\u0131nda ABD d\u0131\u015f\u0131ndaki bir\u00e7ok banka programa kat\u0131lmaya ba\u015flam\u0131\u015ft\u0131r. Bu milletleraras\u0131 b\u00fcy\u00fcmenin sonucu olarak 1974 y\u0131l\u0131nda, International Bank Americard Corporation (BANCO) kurulmu\u015ftur. VISA ismi 1977 y\u0131l\u0131nda kabul edilmi\u015f ve daha sonra National Bank Americard Incorporated \u201cVISAUSA\u201d olmu\u015f, IBANCO VISA\u201cVISA Uluslararas\u0131\u201d ve Bank Americard da \u201cVISA<\/strong>\u201d kart haline gelmi\u015ftir.<\/p>\n

Kredi kart\u0131 kullan\u0131m\u0131 beraberinde kullan\u0131c\u0131lara \u00f6deme kolayl\u0131\u011f\u0131 ve d\u00f6ner (rotatif) kredi kullanma imkan\u0131 olmak \u00fczere iki \u00f6nemli kolayl\u0131\u011f\u0131 getirmi\u015ftir. \u00d6deme kolayl\u0131\u011f\u0131 ile kastedilen, ki\u015filerin yanlar\u0131nda nakit ta\u015f\u0131malar\u0131na ihtiya\u00e7 kalmaks\u0131z\u0131n al\u0131\u015fveri\u015flerde
\nan\u0131nda \u00f6deme yapabilmeleri ve b\u00f6ylece kulland\u0131klar\u0131 mal ve hizmetlerin bedellerinin \u00f6denmesini bir s\u00fcre geciktirebilmeleridir.<\/p>\n

D\u00f6ner (rotatif) kredi kullanma imkan\u0131n\u0131 sa\u011flayan kredi kartlar\u0131n\u0131n yukar\u0131da bahsedilen faydalar\u0131na ek olarak, kart hamillerine al\u0131\u015fveri\u015flerinin geri \u00f6deme s\u00fcresini isterlerse uzat\u0131p zamana yayarak kredi kullanma hakk\u0131 tan\u0131malar\u0131d\u0131r. B\u00f6ylece al\u0131c\u0131lar bor\u00e7lar\u0131n\u0131 \u00f6demede hem zaman hem de miktar a\u00e7\u0131s\u0131ndan bir esnekli\u011fe kavu\u015fmu\u015f olurlar.<\/p>\n

Kredi kart\u0131 t\u00fcrleri<\/strong><\/h3>\n

G\u00fcn\u00fcm\u00fczde kullan\u0131lmakta olan kartlar\u0131 ama\u00e7lar\u0131na g\u00f6re \u00fc\u00e7 grupta toplamak m\u00fcmk\u00fcnd\u00fcr:<\/p>\n

    \n
  1. Al\u0131\u015fveri\u015f kolayl\u0131klar\u0131 sa\u011flayan, nakit alma \u00f6zelli\u011fi olan ve kredi kullanma imkan\u0131n\u0131 da sa\u011flayan kredi kartlar\u0131(credit cards).<\/li>\n
  2. Al\u0131\u015fveri\u015f kolayl\u0131\u011f\u0131 sa\u011flayan, ancak kredi \u00f6zelli\u011fi ta\u015f\u0131mayan \u00f6deme (bor\u00e7land\u0131rma) kartlar\u0131(credit cards).<\/li>\n
  3. Al\u0131\u015fveri\u015f kolayl\u0131\u011f\u0131 ve hesaba do\u011frudan bor\u00e7 ge\u00e7ilmesini sa\u011flayan, hes\u00e2ba\u00caeri\u015fim kartlar\u0131 (debit cards).<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    Kredi kartlar\u0131 al\u0131\u015fveri\u015fte, mal ve hizmet sat\u0131n almada \u00f6deme arac\u0131 olarak kullan\u0131labilen, sahibi olan ki\u015fiye ald\u0131\u011f\u0131 mal veya hizmeti taksitle veya daha sonra \u00f6deme imkan\u0131 sunan kartlard\u0131r. Kredi kart\u0131n\u0131 kim…<\/p>\n","protected":false},"author":1,"featured_media":8967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[317],"tags":[1547,631,1545,1546],"class_list":["post-1083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-is-dunyasi","tag-banka-karti","tag-kredi-karti","tag-kredi-kartlari","tag-visa"],"_links":{"self":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts\/1083"}],"collection":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1083"}],"version-history":[{"count":15,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts\/1083\/revisions"}],"predecessor-version":[{"id":8969,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/posts\/1083\/revisions\/8969"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=\/wp\/v2\/media\/8967"}],"wp:attachment":[{"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1083"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1083"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ilkkimbuldu.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1083"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}