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发现卡Discover Card介绍

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Discover Card(发现卡)是一个较大的信用卡发卡组织,主要服务对象在美国以及加勒比海地区,在美国持卡用户已超过五千万。该卡组织1985年由Sears集团建立,属于添惠.雷诺兹公司的一部分,1997年合并于摩根士丹利集团,到2007年,Discover金融服务部分从摩根士丹利中剥离出来成为一个独立的公司。多数发现信用卡是由Discover Bank(发现银行)发行的,其支付网络也是Discover自己的支付网络。2005年发现完成对Pulse支付系统的收购,并于2006年2月宣布,他们开始提供发现借记卡服务,使用Pulse支付网络。

Discover Card(发现卡)不同于传统的Visa卡或者Mastercard卡,它没有年费制度,其信用额度普遍高于其它信用卡。而且Discover Card的持卡人还可以获得Cashback Bonus(现金回报),指根据客户的消费金额,返还一定比例的现金给持卡人,起初该返现比例是消费总额的2%,现在已经达到了5%。基于如此的优惠制度,发现信用卡一经发行就大受欢迎。

2005年上半年,中国银联与Discover达成战略合作伙伴关系,发现卡可以在中国银联ATM和POS机上使用,同时,银联卡也可在美国Pulse支付网络使用。2007年7月,发现在中国成立子公司——Discover信息技术(上海)有限公司,以支持该公司的数据分析和建模业务,并于7月15日在新办事处举行盛大开幕仪式。

截至目前,国内尚无银行发行发现信用卡。在美国运通卡通过工商、中信银行进入中国以后,我们期待下一个进入中国信用卡市场的卡组织是Discover.

America witnessed the start of a revolution in the credit card industry when Discover card was unveiled nationally during the 1986 Super Bowl.

A "Dawn of Discover" commercial featured a rising sun, uplifting images of traditional American life and the simple message: "Very few things cost you nothing to get and pay you back every day. But now the Discover card does."

Discover made it known that innovation and change were coming to the credit card industry: Change that focused on features and services that consumers wanted, but couldn't find in other credit cards. At the time, annual fees were common and cash rewards were unheard of. Discover set out to change that as a pioneer in offering cash rewards and no annual fee.

Today, Discover is a leading credit card issuer and electronic payment services company with one of the most recognized brands in U.S. financial services. The company operates the Discover card, America's cash rewards pioneer.

Our payments networks - Discover Network, PULSE and Diners Club - together process billions of transactions a year. Discover Network connects millions of merchant and cash access locations, PULSE serves more than 4,400 financial institutions and point of sale terminals nationwide and Diners Club International, which created the first multi-purpose charge card in the world, is a global payments network with acceptance in 185 countries and territories.

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