ONTOLOGY EXPLORER
credit card
<https://spec.edmcouncil.org/fibo/ontology/LOAN/LoansSpecific/CardAccounts/CreditCard>
プロパティと値
| プロパティ | 値 |
|---|---|
| type | Class |
| label | "credit card" |
| subClassOf | PaymentCard |
| subClassOf | _:c14n1978 |
| subClassOf | _:c14n57 |
| definition | "card issued by a financial service provider that enables the cardholder to borrow funds" |
| adaptedFrom | "https://www.fdic.gov/regulations/examinations/credit_card/pdf_version/ch2.pdf"^^<http://www.w3.org/2001/XMLSchema#anyURI> |
| explanatoryNote | "In its non-physical form, a credit card represents a payment mechanism which facilitates both consumer and commercial business transactions, including purchases and cash advances. A credit card generally operates as a substitute for cash or a check and most often provides an unsecured revolving line of credit. The borrower is required to pay at least part of the card's outstanding balance each billing cycle, depending on the terms as set forth in the cardholder agreement. As the debt reduces, the available credit increases for accounts in good standing. These complex financial arrangements have ever-shifting terms and prices. A charge card differs from a credit card in that the charge card must be paid in full each month." |
| explanatoryNote | "In physical form, a credit card traditionally is a thin, rectangular plastic card. The front of the card contains a series of numbers that are representative of various items such as the applicable network, bank, and account." |
| explanatoryNote | "Issuance of credit cards has the condition that the cardholder will pay back the original, borrowed amount plus any additional agreed-upon charges. The credit company provider may also grant a line of credit (LOC) to the cardholder which allows the holder to borrow money in the form of a cash advance. The issuer pre-sets borrowing limits which have a basis on the individual's credit rating." |