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. . - Diners Club - 1950 . 2007 1.3 . .
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. - Diners Club - 1950 , 27 -. 1958 - American Express.
. 1949 Maknamara\Frank McNamara, Hamilton Credit Corporation, \Alfred Bloomingdale ( Bloomingdale's) \Ralph Sneider. - , , . , , . , , . , , . Hamilton Credit Corporation, .

, , . , . , . ( , ), - , , . - .

, , 20 . - , - . , . , . , . , , .

, 1950 Diners Club, . , Diners Club . , Diners Club, , Diners Club. , , . Diners Club . , , Diners Club, 7% , - $3.

. , , . , , " ". Diners Club , . - . .

. 7% Diners Club . Diners Club Diners Club, , . , 1950 20 . Diners Club. $60 ., .

Diners Club 1958 , American Express Bank Americard ( Visa). , , . 1966 Barclaycard. , . . , - .

Nilson, 2007 Visa 46% , MasterCard - 36%, American Express -12%, Discover - 6%. : Visa 60% , MasterCard - 28%, American Express - 10.5%, JCB - 0.9%, Diners Club - 0.5%.



:


2007 1.3 . . 22 . .

: . 2000 , , .

, MasterCard, 29% . , - , - , - - .

\American Bankers Association, . VISA, $100, , $60 .

\Federal Reserve System, 2006 74.9% . Harris Interactive : 2007 95% (51% 1970 ). , .

2007 , Experian, 51% .

Gallup, : 20% , 35% - 1-2 , 23% - 3-4, 11% - 6-7, 8% - .

\National Center for Education Statistics, , - $15 .

AARP, 50- , , .

, 2007 8.2 . , . , , , , $62. : 2007 - $92.3 . $57.4 . - . .

: ( , ) . 8.3% $9 . .

Gallup : 40% , 17% $1 ., 20% - $1 . $5 ., 16% - $5 . . , , , . , 40% , $30 ., - , $75 . , 2%. , 1.7 , - 2.9, - 4.2. , "" .

TransUnion, 2007 $1 673. , -: ($2 378), - ($1 252).

, CreditCards.com 2007 , , 90% , , . 2008 Ipsos-Reid : , "" . .

Javelin Strategy & Research , 28% , - .

\Federal Reserve System , 1989 2006 315% ( $211 . $876 . - 2006 ). 2007 $943.5 .

1989 2004 , (, , ) 60 , - 4.8% 8%.

Brookings Institute, 2004 , , 21% - , , 13%. - 40% . 1989 2004 ( $622 $2 750).

\Economic Policy Institute, - $11 . , , 112% , , , . 60% .

Polaris , "-", , 50% , , .

, Fair Isaac Corporation, $19 . - , . 80% . 30% .

, Consumer Action, , 77% - (, ) .

Debtscape, "" $8 . 18% , ( - $218 ), 25 7 . - $15 432. , $218 12% , $1 . 355 .

, CreditCards.com, , . 88% .
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