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Summary of Credit Card Terms - Part 7 (S-V)

Receipt – When used in the context of credit card receipt means a document that provides a record of a transaction that took place at a point of sale, and may also refer to a printable copy for a card not present transactiStatement – Statement, when used in the context of credit cards refers to a written record prepared by a credit card company that is usually issued monthly. This will list all transactions and debits/credits that affect a customer’s account. Customers should ensure that they check their statement in detail so that they can raise any issues whilst they can remember their transactions from a given month, whilst it is also the case that refunds are generally only provided when they fall within a certain period of time.

Transaction – The exchange of monies in return for goods or services.

Transaction Identifier –This is specific to VISA and refers to the technology they use to trace and audit transactions throughout the lifecycle of the transaction process.

Unsecured Credit Cards – Unsecured credit cards are not secured by collateral or customers assets. To qualify for such a card customers will normally have strong earning potential, have high earnings, earnings that outweigh expenditure, a lack of current payment obligations, and a strong credit history.

User Authentication –This is the process through which a merchant/merchant bank will check, or follow procedures that increase, the chances that a person is whom they say they are.

Validation Code - Validation code is a 4 digit amount that VISA will include in the transactional authorization response that they issue when a transaction exceeds the floor limit.

Variable Interest Rate – Variable interest rates vary with economic forces, and will often be a certain percentage above inflation. This form of APR calculation is also known as floating rate or floating interest rate.

VISA – Visa is a credit card company that along with MasterCard is amongst the biggest in the world. Visa is a trading name of Visa International Service Association.

Visa Card – A Visa Card is the credit card given to customers of visa which is by definition a credit card or can also be a debit card in the case of collaboration between Visa and a bank.

Visa Issuer – A company that is given distribution rights by Visa in relation to credit cards.

Visa Merchant – A merchant that accepts payments via Visa credit cards is a Visa Merchant.

Voice Authorization – This is the approval process response that indicated whether or not a transaction can go ahead when it exceeds the floor limit.

Void Transaction – Where a transaction is not processed.

Void – Where by a transaction is nullified and brought out of settlement.

Voided – See Void for summary
on. This will include transactional details, details of the buyer. The date, amount and a reference number will also be present.

Recurring Bill – This refers to a transaction where by the merchant is granted permission by the card holder, to periodically charge their credit card or debit card for service or goods that they will render on a monthly or perhaps a yearly basis.

Reference Number – This is a number that is assigned to every transaction for the purpose of being identifiable to the buyer, the merchant bank, the merchant and potentially other stakeholders that are party to the transaction. This will be printed in a monthly statement, allowing a credit card holder to easily distinguish between transactions should they wish to, or have cause to raise issues.

Refund – When a credit card or debit card holder has funds credited to their account, which can be a result of an error, a return or any other factor that results in their account being credited to provide a return to status quo.

Retail Merchant – A merchant that provides goods rather than services, whilst operating in the consumer retail sector, and processing card present, as a pose to card not present transactions.

Sales Draft – A hard copy that offers evidence that goods/services were purchased by the cardholder.

Secured Credit Cards – Secured credit cards are credit cards where by a persons or businesses assets are directly transferable should they fail to honour payment schedules that are put in place. This is generally where a person has a poor credit history or fail to pass a credit check or pose too much of a risk to a financial organization to be given credit terms. Assets can be in the form of shares in a business, a home or a car for example.

Service Charge – This is charge that can be a component of financial organizations pricing. This is generally a fixed one-time fee rather than a yearly or monthly cost. Many argue that a service charge can result in lower costs in the long-term, because you are not asked to burden this cost accumulatively

Settlement – Settlement, when used in the context of credit cards, refers to the activity of buying and selling, that occurs within the market place for transactions with credit cards. Acquirers, merchants, card-issuing companies and processors all play a role.

Settlement Bank – This is an organization, which will generally be a member of relevant financial bodies and is based within their customer’s legal territory. They will be authorized to handle transactions and interchange for of and on behalf of banks.

About the Author: This article is written by Devin Gilliland publisher for credit-wisdom and

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