Discover Cards

The Discover Card is a major credit card, issued primarily in the United States. It was originally introduced by Sears in 1985, and was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company. Novus, a major processing center, used to be partners with the company as well. The Novus logo has since been retired and now the Discover Network logo has replaced it.
Most cards with the Discover brand are issued by Discover Bank. Discover Card transactions are processed through the Discover Network payment network. As of February 2006, the company announced that it would begin offering Discover Debit cards to banks, made possible by the Pulse payment system, which Discover acquired in 2005 

Also misspelled as:
dicsover card,discver card,disocver card,descover card,dscover card,doscover card,discocer card

Discover Card

The Discover Card is a major credit card, issued primarily in the United States. It was originally introduced by Sears in 1985, and was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company. Novus, a major processing center, used to be partners with the company as well. The Novus logo has since been retired and now the Discover Network logo has replaced it.
Most cards with the Discover brand are issued by Discover Bank. Discover Card transactions are processed through the Discover Network payment network. As of February 2006, the company announced that it would begin offering Discover Debit cards to banks, made possible by the Pulse payment system, which Discover acquired in 2005


History

At the time the Discover Card was introduced, Sears was the largest retailer in the United States. It had purchased the Dean Witter Reynolds Organization (brokerage) and Coldwell, Banker & Company (real estate) in 1981[2] as an attempt to add financial services to its portfolio of customer services. Ray Kennedy, Sr., – father of country singer Ray Kennedy – who was the credit manager for Sears, conceived the card.[3] Together with the Discover Card (and its issuing bank, the Greenwood Trust Company, owned by Sears), this was named the Sears Financial Network. Early Discover Cards bore a small embossed symbol representing the Sears Tower, the company's headquarters at the time.


Discover and Novus retired acceptance mark (still seen in many places)
Unlike other attempts at creating a credit card to rival MasterCard and VISA, such as Citibank's Choice card, the Discover Card quickly gained a large national consumer base. It carried no annual fee, which was uncommon at the time, and offered a typically higher credit limit than similar cards. Cardholders could earn a "Cashback Bonus," in which a percentage of the amount spent would be refunded to the account (originally 2%, now as high as 5%), depending on how much the card was used. Retailers[who?] were wooed by merchant fees significantly lower[citation needed] than those of other widely-accepted credit cards. The Discover Card was also noteworthy for being the only credit card accepted by the U.S. Customs Service to pay customs duty.[citation needed]
However, the plan to create a one-stop financial-services center in Sears stores was not as successful as Sears had hoped, and its promotion of the Discover Card was thought both to hurt Sears turnover and to restrict the card's potential. Other retailers resisted it, as they believed they would be helping their competitor.
In light of these developments, and of strong competition both from Wal-Mart and from so-called category killers such as Toys "R" Us, Sears began to face difficulties in the late 1980s. Sears sold its financial businesses in 1993, and began to accept MasterCard and Visa in addition to its store credit card and the Discover Card. The Discover Card became part of the Dean Witter financial services firm. Dean Witter Discover merged with Morgan Stanley in 1997. In 2000, Greenwood Trust changed its name to Discover Bank.
Discover Card had a sign located on the top of One Times Square below the flagpole which drops the New Year's ball until late 2007. It displayed information and new offers for the company and also displayed the countdown during the New Year's celebrations.
[edit]Business developments



Prepaid card offered by Green Dot Corporation, on the Discover Network.
In October 2004, the Supreme Court upheld a ruling in Discover Card's favor that challenged exclusionary policies of Visa and MasterCard. Before this ruling, Visa and MasterCard would not allow banks to issue a Discover Card if they issued a Visa or MasterCard. Within days of the court ruling, Discover Card filed a lawsuit in federal court seeking damages from Visa and MasterCard. In 2005, Discover Card acquired PULSE, an electronic funds transfer association, allowing it to issue and market debit and ATM cards.
Shortly after the 2004 Supreme Court ruling, Discover also struck its first deal to have its card issued by another bank, GE Consumer Finance, which now issues three cards for retailer Wal-Mart and its wholesale warehouse stores, Sam's Club; transactions for both cards are processed on the Discover Network. Sam's Club exclusively accepted Discover Card for many years, although, since November 2006, it has also accepted MasterCard for purchases.
HSBC has also issued credit cards processed through the Discover Network, and branded with the Discover logo, since its acquisition of card issuer Metris in late 2005. Metris had originally signed an agreement with Discover in September 2005, only three months prior to the HSBC acquisition.
Morgan Stanley was long thought to want to sell the Discover Card business, and in April 2005, it announced that it would divest Discover Financial Services as an independent company within six months. However, by June industry sources reported that Morgan Stanley was reassessing its plan to spin off Discover. Finally, in August 2005, the company confirmed it would not sell Discover. In yet another reversal, in December 2006, Morgan Stanley announced it would, again, spin off Discover as a standalone company by the end of August 2007. The spin-off was finalized ahead of schedule, on June 30, 2007.
[edit]Brand acceptance

Discover Card has over 50 million cardmembers and the Discover Network has more than 4 million merchant and cash access locations. The Pulse automatic teller machine (ATM) network currently serves more than 4,500 banks, credit unions, and savings institutions. However, unlike its competitors, the Discover Card is neither issued nor widely accepted outside the U.S., although it can be used to obtain cash from ATM locations worldwide. Owing to its heritage at Sears, an additional benefit of the Discover Card is the ability to make payments on the account, in person, at participating Sears stores.
In Canada, Discover brand cards are accepted at few locations, usually at businesses catering to American tourists, such as car rental agencies and hotels, as well as major American merchants like Sears and Wal-Mart. Some Canadian businesses do accept Discover cards but opt to favor Visa, Mastercard, American Express and Interac. In October 2010, Discover Financial Services and Acxsys Corporation announced that, following an agreement between them, acceptance of Discover cards had expanded to over 50 per cent. of Canadian Interac A.B.M.s.[4] Also in October 2010, Discover Financial Services reached an agreement with Moneris Solutions, Canada's largest merchant acquirer, that will enable the wider acceptance of Discover cards in Canada.[5]
In the United Kingdom, Discover has issued credit cards on the MasterCard network under both the Morgan Stanley and Goldfish brands since 1999, with the Goldfish brand being purchased from Lloyds TSB in 2005.[6] The entire business was sold to Barclays on February 7, 2008. These cards have since been rebranded as Barclaycard Goldfish and Barclaycard Platinum respectively.
While Discover brand cards are not currently widely accepted in Europe, the company's presence continues to grow in Mexico, Costa Rica, Micronesia, the Marshall Islands, Belize, Palau, and many of the Caribbean Island nations. The corporate web site FAQ section http://www.discovercard.com/customer-service/faq/international.html describes specifically where the Discover Card is accepted outside the United States.
Additionally, in May 2005 Discover Network announced an alliance with China UnionPay Network. The two companies have signed a long-term agreement that will lead to acceptance of Discover Network brand cards at UnionPay ATMs and point-of-sale terminals in China and acceptance of China UnionPay cards on the PULSE network in the U.S. CUP cards have been accepted in the US since December 2005, and Discover Cards have been accepted in China since November 8, 2006.[7] This partnership makes Discover Card the most widely accepted American card in China, beating out competitors Visa, MasterCard, and American Express. Neither Discover Financial Services nor China UnionPay have stated whether there had any plans to eventually expand acceptance to the other nations where the CUP network is in place, i.e., the Philippines, Singapore, Thailand, Vietnam, and South Korea.
A similar agreement was made in August 2006, when the Discover Network announced an alliance with Japan’s JCB Network.[8] JCB Cards will be accepted on the Discover Network in the United States, Puerto Rico, Guam and Northern Mariana Islands starting October 12, 2007 and Discover Card will be accepted on the JCB Network in Japan in early 2008.[9]
On August 24, 2006, Discover’s PULSE network and the UK’s LINK ATM network announced a reciprocal agreement that will allow the more than 4,500 financial institution participants in the PULSE network to offer their cardholders access to all but a handful of the more than 58,000 cash machines across the UK and allow LINK to offer its 38 participating financial institution members access to more than 265,000 PULSE cash machines in the United States.[10]
In December 2009, an agreement was formalized with Brazilian credit-card processor Redecard to begin accepting Discover Card in Brazil.

Also misspelled as:


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Capital One financial services

COF, or Capital One Financial Corp. (NYSE: COF) is a U.S. based bank holding company specializing in credit cards, home loans, auto loans, banking, and savings products. A member of the Fortune 500, the company helped pioneer the mass marketing of credit cards in the early 1990s, and it is now the fourth largest customer of the United States Postal Service and has the 8th largest deposit portfolio in the United States.[3][4] It has its corporate offices in Tysons Corner, unincorporated Fairfax County, Virginia, near McLean.[5]

History
Capital One retail footprint
Capital One was founded in 1988 by Richard Fairbank and Nigel Morris[6] as a spin-off of Richmond, Virginia-based Signet Banking Corp (which was subsequently acquired in 1997 by First Union Corp.).
Capital One entered the retail banking market with its acquisition of New Orleans, Louisiana-based Hibernia National Bank in 2005 and Melville, New York-based North Fork Bancorporation in 2006. North Fork Bank and Superior Savings of New England, both subsidiaries of North Fork Bancorporation, began using the branding of Capital One Bank on March 10, 2008.[7][8]. On December 4, 2008, Capital One announced it would purchase Chevy Chase Bank for $520 million.[9]
Capital One responded to the 2007 subprime mortgage financial crisis by jettisoning its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.[10]
On November 14, 2008, Capital One Financial Corporation was the recipient of $3.56 billion of the Emergency Economic Stabilization Act Federal bail-out in the form of a preferred stock purchase.[11][Full citation needed] On June 17, 2009, Capital One completed the repurchase of the 3,555,199 shares of the preferred stock the company issued to the U.S. Treasury.
[edit]

Capital One Auto Finance

This section does not cite any references or sources.
Please help improve this article by adding citations to reliable sources. Unsourced material may be challenged and removed. (August 2009)
Capital One Financial Corporation is the parent company of Capital One Auto Finance, or COAF, based in Plano, Texas. After buying PeopleFirst, it became the largest Internet auto lender, as well as one of the top US auto lenders overall.
The company, which previously sold auto loans only through direct mail and auto dealerships, lets auto owners refinance existing auto loans and shoppers apply for new auto loans online. A decision usually comes within 15 minutes, after which the buyer receives a "blank check" for up to the approved auto loan amount, which the buyer uses to purchase a car. To the dealership, it is as if the buyer were paying cash. The checks can be used to purchase a new or used vehicle, or to refinance an existing auto loan with another lender.
COAF originates auto loans across the credit spectrum.
[edit]International operations
Capital One commenced operations in Canada in 1996. Its head office is located in Toronto, Ontario. Unlike its diversified American parent, the Canadian business does not currently operate outside of the credit card market. Similar to the US Parent, Capital One Canada is Canada Post's second largest customer. In October 2008, Capital One Canada was named one of Greater Toronto's Top Employers by Mediacorp Canada Inc., which was announced by the Toronto Star newspaper.[12]
The UK headquarters of Capital One is in Nottingham Trent House, Station Street, England. In 2008 they made several hundred redundancies, This was due to the "Credit Crunch" or better known as the recession, 750 employees were informed in April 2008 and by December 2008 750 employees left the doors for the last time. Capital One Uk then began to outsource there work load to third party companies for a cheaper cost, and having implemented new computer software and a new face look (New Brand Logo) would make you assume that they cut those 750 initial jobs to cover the costs.
The company was once active in Spain, Italy, France and South Africa, but has since withdrawn from these markets.
[edit]Unusual growth

Unlike other diversified financial services firms, Capital One began as consumer lending "monoline" -- a company that only does consumer lending. Remaining a monoline is precarious because of the often-cyclical nature of consumer lending; it can be very profitable industry in good times and markedly unprofitable in bad, such that a monoline company—which lacks other sources of revenue—will go out of business or be acquired fairly cheaply during hard times. Most consumer lending monolines in the past 20 years have either gone out of business (e.g. The Money Store, NextCard, Royal Acceptance) or have been acquired (e.g. MBNA, Beneficial, First USA); Capital One is notable for having experienced neither.[13]
Prior to this the company experienced tremendous growth as a monoline which it credited to its Information Based Strategy, a strategy it pioneered to use customer data to help tailor its products to customers, particularly subprime consumers.[14] Capital One had one of the largest databases of consumer data at one time: over 3 terabytes of data by 1998.[15] It attempted to leverage this strategy outside of the finance industry, most notably in the cell phone market as AmericaOne which it eventually sold to Sprint. While many monolines were acquired by larger, diverse banks, Capital One adopted the opposite strategy by expanding into retail banking in 2005. This was accomplished through the acquisition of Hibernia, North Fork and Chevy Chase, three large regional banks.
[edit]Sponsorships

Capital One is a major sponsor of sports teams. In 2001 Capital One became the principal sponsor of the Florida Citrus Bowl, an annual college football game played in Orlando, Florida, renaming it the Capital One Citrus Bowl and then eventually the Capital One Bowl. In the UK, the company sponsored Football League Championship football clubs Nottingham Forest from 2004–2009 and Sheffield United from 2006-2008.
In 2008-2009 they sponsored several curling events all across Canada.
Capital One sponsors a mascot challenge every year. The winner is announced on the day of the Capital One Bowl.
[edit]Decoupled debit card

In May 2007, Capital One began an experiment that has come to be known as a Decoupled debit card[16][17]. This card is novel in that prior to this launch, a debit card was always tied to a traditional financial institution, such as a bank or credit union. CapitalOne's Mastercard-branded decoupled card did not require an account be opened with a "retail" financial institution, and was made in partnership with the Ukrops[18] grocery chain, based in CapOne's hometown of Richmond, VA. The card was also tied to a reward program offered by Ukrops. That one year experiment ended in May 2008[19], and has been followed up with a national rollout of its own version of a decoupled debit card tied to its own reward program[20].
[edit]

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Scottrade.com

Website www.scottrade.com
Scottrade is a privately owned American discount retail brokerage firm headquartered in St. Louis, Missouri. Its Founder, President and CEO is Rodger O. Riney. Scottrade has 500 branch offices around the U.S. Scottrade has no international branch offices but does offer special services to its Asian-Pacific customers with a Chinese service center staffing Chinese-speaking stockbrokers.


History

In 1980, Rodger Riney, founder, moved from St. Louis to Scottsdale, Arizona where he and a partner incorporated Scottsdale Securities.[3]
In 1981, Riney returned to St. Louis to open a second branch, but ultimately split apart from his partner in 1985 due to conflicting business models. Riney kept the company name, Scottsdale Securities, and lowered the price of commissions to attract more clients. Riney's approach was successful and by 1991 the Scottsdale Securities had a total of 15 branches throughout the US.[4]
Scottrade.com was launched in 1996 (along with Scottrader.com to supply streaming online quotes to clients). Scottrade.com was successful and grew rapidly amidst the dot-com bubble of the 90s.[5]
By 1998, Scottrade.com commissions were as low as $7 per trade (the same price as of January 2011) increasing their customer base.[6]
In 2000, Scottsdale Securities officially renamed to Scottrade due to the success of their online firm.[7]
In 2003, Scottrade launched their Chinese trading site, Chinese.scottrade.com.[8]
In 2004, Scottrade's corporate headquarters were relocated to a new building called Corporate Hill in West St. Louis County.[9]
Scottrade saw substantial growth throughout the 2000s, expanding from 200 branch offices in 2004 to 500 by 2010.[10]
In 2006, Scottrade formed a partnership with the St. Louis Blues NHL team, purchasing the naming rights to the 19,150-seat arena in downtown St. Louis. The arena was renamed the Scottrade Center.[11]


Exterior of the Scottrade Center.


Scottrade office, Canton, Michigan
During the late-2000s recession Scottrade did not lay off any of its associates. In 2008 alone, Scottrade hired 1,000 new associates and opened 75 new branches despite the economic turmoil.[12]
Scottrade has won numerous awards, most prominently those of J.D. Power and Associates. See awards section below.[13]
In December 2010, Scottrade opened its 500th branch office. It is located in the West Side of Manhattan.[14]
[edit]Services offered

Scottrade renders both online and branch office services including brokerage services, advisment services, investment education, and offers award-winning online trading platforms, including the Scottrade Trading Web Site, ScottradeELITE Advanced Trading Platform, Scottrader Streaming Quotes, Scottrade OptionsFirst and Scottrade Mobile.[15]
The Scottrade Trading Web Site is Scottrade's standard trading platform with stock screeners; quotes and research; real-time quotes and charting; account monitoring and a knowledge center.[16]
Scottrader Streaming Quotes provides real-time market data and news within a trading platform accessible via the Scottrade Trading Web Site.[17]
ScottradeELITE is an advanced trading platform including news columns from both Comtex and Dow Jones, advanced charts, level two and TotalView quotes, and stock screeners.[18]
OptionsFirst, designed by OptionsHouse in 2008, is a platform allowing complex multi-leg options orders, margin accounts with low minimum deposits, and multiple accounts to the same user. All regular common stock and ETF orders are allowed excluding OTCBB and Pink Sheets.[19]
Scottrade Mobile, launched in 2009, is a trading website accessible from any internet-enabled mobile device.[20]




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MORETHAN.COM MORE TH>N insurance

Home Insurance
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Wels Fargo financial services

Wells Fargo & Company is a diversified financial services company with operations around the world. Wells Fargo is the fourth largest bank in the US by assets and the second largest bank by market capitalization.[2] Wells Fargo is the second largest bank in deposits, home mortgage servicing, and debit card. In 2007 it was the only bank in the United States to be rated AAA by S&P,[3] though its rating has since been lowered to AA-[4] in light of the financial crisis of 2007–2010.

The firm's primary U.S. operating subsidiary is national bank Wells Fargo Bank, N.A., which designates its main office as Sioux Falls, South Dakota for legal purposes.

Wells Fargo in its present form is a result of an acquisition of California-based Wells Fargo & Company by Minneapolis-based Norwest Corporation in 1998. Although Norwest was technically the surviving entity, the new company renamed itself Wells Fargo, capitalizing on the 150-year history of the nationally-recognized name and its trademark stagecoach. Following the acquisition, the company transferred its headquarters to Wells Fargo's headquarters in San Francisco and merged its operating subsidiary with Wells Fargo's operating subsidiary in Sioux Falls.

In 2010 Wells Fargo had 6,335 retail branches (called stores by Wells Fargo), 12,094 automated teller machines, 281,000 employees and over 70 million customers. Wells Fargo operates stores and ATMs under Wells Fargo's and Wachovia's names.

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