Kartu kredit atau disebut juga ‘kartu utang’ merupakan sebuah kartu multifungsi yang diterbitkan oleh bank komersil dan lembaga keuangan dan pembiayaan lainnya. Kartu kredit sebenarnya bukan barang baru. Penggunaan kartu hutang pertama berawal pada tahun 1900-an di Amerika dimana beberapa minimarket dan SPBU membuat kartu member yang dengan fasilitas utang untuk membangun citra dan loyalitas para membernya. Kemudian tahun 1946, pembayaran kredit berkembang di mana tercipta sebuah sistem bernama “Charge It” yang dipelopori oleh salah satu bank di Amerika Serikat. Sistem ini sendiri dibuat untuk memberi kemudahan berbelanja untuk para nasabah bank tersebut di sejumlah merchat yang berafiliasi dengan bank tersebut... READ FULL ARTICLE
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