求高手翻译英语课文。

The First Credit Card 

   Charging for products and services has become a way of life. No longer do people bring cash when they buy a sweater or a large appliance, they charge it. Some people do it for the convenience of not carrying cash;others do it so they can purchase an item they can not yet afford. The credit card that allows them to do this is a twentieth century invention.

    In the early 20th century, charge accounts became popular.With automobiles and airplanes,people now had the option to travel to a variety of stores for their shopping needs.In an effort to capture customer loyalty,many stores and gas stations began to offer charge accounts for their customers which could be accessed by a card.Unfortunately people needed to carry dozens of these cards if they were to do a day of shopping.

    A credit card that could be used at multiple stores  was  not invented until 1950.It all started when Frank X. McNamara,head of the Hamilton Credit Corporation, and two of his friends went out to supper to discuss a problem customer in 1949.

   This particular customer had lent a number of his charge cards  to his poor neighbors who needed items in an emergency.For this service, the man required his neighbors to pay him back the cost of the original purchase plus some extra money.But many of his neighbors were unable to pay him back and he was forced to borrow money from the Hamilton Credit Corporation.

    At the end of the meal, McNamara was shocked to discover that he had forgotten his wallet. To his embarrassment, he then had to call his wife and have her bring him some money.

    Merging the two concepts from that dinner, the lending of credit cards and not having cash on hand to pay for the meal, McNamara came up with a new idea - a credit card that could be used at multiple locations. He discussed the idea with his two friends and they started a new company called the Diners Club in 1950 .

   Instead of individual companies offering credit to their own customers , the Diners Club offer credit to individuals for many companies. the companies who accepted the Diners Club credit card were charged 7 percent for each transaction while the subscribers to the credit card were charged a $3 annual fee.In the beginning, progress was difficult.

However, the concept of the card grew and by the end of 1950, 20,000 people were using the Diners Club credit card.

   

The Diners Club credit card continued to grow more popular and didn't receive competition until 1958. In that year, both American Express and VISA arrived. The concept of a universal credit card had taken root and quickly spread across the world.

      

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戚寥生 13级
2011-06-05 回答
第一张信用卡

    刷卡支付产品和服务已成为一种生活方式。当人们买一件外套或大的设备时,人们不再支付现金而是刷卡。一些人用它是图不再现金的方便;一些人用它是因为他们能买到暂时不能支付的东西。允许他们这样做的信用卡是二十世纪的发明。

   在20世纪,信用卡帐户成为时尚。 现在,人们乘坐汽车和飞机,可以选择去他们需要购物的商场。为了获取消费者的信誉,许多商场和加油站开始为他们客户提供信用帐户,这可以用一张卡进入。不幸的是,人们需要带上成打的卡,如果他们要整天购物的话。

   止到1950年,用于多个商场的信用卡还没有被发明出来。 它始于1949年汉密尔顿信用公司的主管弗兰克·X·马克纳马拉和他另外两位朋友出外就餐时讨论一个问题客户时。

      这个特殊的客户借给他的穷邻居们一些他的信用卡,他们需要一些应急的东西。因为这个缘故,这个人要求他的邻居支付卡的原始费用和一些附加费。但是他的很多邻居没有能力还他,于是他被迫向汉密尔顿信用公司借钱。

   在这顿饭末,马克纳马拉震惊地发现他忘带钱包了。而后,令他尴尬的是,他不得不给他妻子打电话,让她给他带些钱来。

       联结借出信用卡和手头无现金支付帐单这两个来自晚餐概念,马克纳马拉有了一个新的想法:可以在多个地点使用的信用卡。他同两个朋友讨论了这个想法,并在1950年创建了一个叫做晚餐俱乐部的新公司。

    取代了单个公司向多个客户提供信用,晚餐俱乐部为多个公司的个人提供信用。接受晚餐俱乐部信用卡的公司的每一次交易会被收取7%的费用,而卡的持有人每月要收3美元。万事开头难。

   然而,信用卡的概念逐渐发展,至20世纪50年代末,已有20000人使用晚餐俱乐部的信用卡。

    晚餐俱乐部信用卡日逐流行,止到1958年并没有竞争。在此年,美国运通和VISA诞生。普适的信用卡概念根植于此并迅速传向全球。

最新回答 (1条回答)

2011-06-05 回答

第一个信用卡

产品和服务收费问题已经成为一种生活方式。当人们买了一件毛衣或一个大的用具他们就不再花现金,他们就赊购。有些人是为了方便没有携带现金;别人做的,这样他们可以购买物品,他们还不能负担得起的。信用卡,允许他们这样做是二十世纪发明的。

在20世纪初,记帐户头变得流行。对汽车和飞机,人们现在可以选择去旅行到各种各样的商店进行购物的需求。为了捕捉顾客忠诚度,许多商店和加油站开始提供记帐户头为他们的客户能够访问的一张卡片。不幸的是人们需要携带数十这些卡片,如果他们做了一天的购物。

直到1950年信用卡发明后它可以用在多个商店。这一切都是开始,当兰帕德x。麦克纳马拉,信用公司的负责人,汉密尔顿和他的两位朋友去吃晚饭,讨论1949年的一个客户问题。

这一特定客户借一些他的签帐卡给他可怜的邻居,需要的物品在紧急情况下使用。为这一服务,男人需要偿还他的邻居们原购房成本加上一些额外的钱。但是他的许多邻居,无法偿还他回来,他被迫向他借钱的汉密尔顿信用公司。

在一天吃完饭后,麦克纳马拉很震惊地发现他忘记带钱包了。对他的尴尬,然后他不得不打电话给他的妻子,让她把他一些钱。

合并的两个概念,可以一起吃晚餐时,他所取得的贷款的信用卡和现金在手,不用付饭钱,麦克纳马拉想出了一个新主意——信用卡可以用在多个地点。他讨论了他的两个朋友的想法,他们1950年创建了一个新公司,叫做餐车俱乐部。

而不是单个公司提供信用到自己的客户,对于许多公司来说餐车俱乐部提供信贷给个人。餐车的公司接受了俱乐部的信用卡被指控7%的每笔交易,而用户向信用卡被指控了一个3美元的年费。在一开始,进步是困难的。

然而,这个概念在卡片的长大,1950年年底,2万人正在使用这种餐车俱乐部的信用卡。

当食客们继续增长的俱乐部信用卡更加受欢迎,并没有收到竞争直到1958年。在那一年,两个美国运通和签证到达。一个普遍的概念信用卡开始生根,并迅速蔓延到世界各地。