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* Related Definitions, Terms and Acronyms:
  • Chip card or integrated circuit card (ICC) - see smart card.
  • Contact smart card - a smart card that requires physical contact with a card reader as a communications medium between the smart card and a host such as the credit card company's computer.
  • Credit history or credit report - a record of an individual's or company's historical borrowing and repaying habits, including information about late payments and bankruptcy.
  • Gift certificates or gift cards - cash alternatives that are essentially the same, except that the cards automate the checkout and accounting processes by having a barcode or magnetic strip, which can be processed through a standard electronic credit card machine.
  • Simple interest - interest that accrues linearly, growing by a certain fraction of the principal over equally-spaced time periods for the life of the loan.

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