Balance Finance

Split any purchase into three easy payments. Get an instant loan for any charge on your card.

[Balance Finance @get_balance]

Never carry a balance. Use an existing card & split any purchase into 3 payments. Learn more: http://t.co/vX4EoSojBU

[Balance Finance @get_balance]

After the 1982 recession, inflation rates dropped, but banks kept their credit card rates high. Now we all pay more.

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In 1986, Sears and Dean Witter launch the Discover Card, pioneering the concept of no annual fees and offering cash back on purchases.

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In 1977, VISA is born when IBANCO, the consortium of international banks issuing credit cards, changes its name.

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1978: Banks move to South Dakota—no max interest rates—when Supreme Court allows credit cards to choose any state.

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Christmas 1966. First identity theft racket: Chicago residents are sent new credit cards — mob intercepts them.

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1959. One year after launch, 2 million credit card holders in California, accepted by 20,000 merchants. 22% of all accounts are delinquent.

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The first credit card was launched in 1958 by Visa in Fresno, CA. Nothing improved until now: http://t.co/yhU8sle64k

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Credit inquiries affect your credit score. How can you protect yourself? http://t.co/Hcz4dTQSPE

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Time for a new couch? Get an instant loan and pay in three easy installments with Balance. http://t.co/0OlrK1dGXJ

[Balance Finance @get_balance]

For students and stay-at-home moms, it's been harder to get a credit card since 2009. How do you pay for essentials? http://t.co/8OkyaGIozW

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April 2014: Americans owe $854 billion in credit card debt. Are you getting your money's worth? @nerdwallet

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Credit cards were invented by Edward Bellamy for his 1888 novel Looking Backward. We think it's time for an update.

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1/6: Character. Creditors look for trustworthy and reliable people, who appear to be willing and able to meet their financial obligations.

[Balance Finance @get_balance]

2/6: Capacity. The individual's ability to repay the loan; it's based on present and anticipated earnings balanced against existing debts.

[Balance Finance @get_balance]

3/6: Collateral. The item pledged by the borrower as security for the loan, which may be real estate, stocks, savings, a mortgage, etc.

[Balance Finance @get_balance]

4/6: Conditions. Both regulatory and economic conditions are considered, and both are affected by the current economic cycle.

[Balance Finance @get_balance]

5/6: Credit. This is the individual's credit history.

[Balance Finance @get_balance]

6/6: Capital. This is the net worth of an individual as indicated by a personal financial statement.