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Bank of America launched the BankAmericard in 1958, widely considered the first credit card available to consumers, which eventually evolved into Visa. In 1966, a group of California banks formed the Interbank CardAssociation (ICA), later known as Master Charge and then Mastercard.
Address Verification Service (AVS) A fraud prevention tool that checks the billing address provided by the cardholder against the address on file with the cardissuer. Annual Percentage Rate (APR) The annual interest rate charged by a credit cardissuer on outstanding balances.
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