Why do lending and credit card companies use a borrower's Social Security number when opening an account?

Answers

Answer 1

Answer:

Most card issuers in the United States will request credit card applicants to provide a Social Security number (SSN). This helps credit card companies prevent fraud and protects the general public from identity theft.

Explanation:

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Answer 2

Lending and credit card companies use a borrower's Social Security number as a unique identifier to verify their identity and maintain accurate records, and to evaluate their creditworthiness.

What are the lending and credit card?

Lending refers to the practice of providing money or other resources to an individual or organization, typically in the form of a loan, with the expectation that the borrower will repay the amount with interest over a set period of time.

Lending can take various forms, including personal loans, mortgages, auto loans, and business loans, among others. Lending institutions, such as banks, credit unions, and online lenders, provide these types of loans.

A credit card, on the other hand, is a type of revolving credit that allows individuals to borrow money up to a certain limit, typically based on their creditworthiness, and use it to make purchases or pay bills.

The borrower is required to make at least a minimum payment each month and can choose to carry a balance from month to month, with interest charged on the outstanding balance. Credit cards are typically issued by banks or other financial institutions, and may come with various rewards or benefits, such as cashback or points for purchases.

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Related Questions

total marketing effort is a term used to describe the critical decision factors that affect demand: price, advertising, distribution, and and product quality. let the variable x represent total marketing effort. a typical model that is used to predict demand as a function of total marketing effort is D=ax

Answers

A linear link between demand (D) and overall marketing effort is shown by the equation D = axe (x). The slope of the line, or a, which represents the proportionality constant in this case, depicts the increase in demand for each additional unit of marketing activity.

What can be inferred about the link between demand and marketing effort from the model for B 1?

What can be inferred about the link between demand and marketing effort from the model for b=1. Demand rises linearly as marketing effort rises.

What exactly is a marketing effort?

The resources a business commits to promoting its goods and services are known as marketing efforts. A business can increase exposure among potential clients and generate demand and interest for its products through marketing initiatives.

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1. assets
2. balance sheet
3. equity
4. invoice
5. liabilities
6. profit-and-loss statement
7. revenue
what a company uses to operate
the business
money that has been borrowed
from banks
a financial document that shows
income and expenses over a given
period of time
amount that was originally invested
in the business
a statement you submit to receive
payment for a product or service
a statement of a company's
financial position at a given time
an amount a business makes in a
given period of time

Answers

1. Assets: amount that was originally invested

in the business.

2. Balance sheet: a statement of a company's

financial position at a given time.

3. Equity: what a company uses to operate

the business

4. Invoice: a statement you submit to receive

payment for a product or service.

5. Liabilities:money that has been borrowed

from banks.

6. profit and loss statement: a financial document that shows income and expenses over a given

period of time

7. Revenue: an amount a business makes in a

given period of time.

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Find the interest rate, I, on a given security that costs $100 and that will return $150 after 10 years.

Answers

Answer:

Rate = 6.666%

Explanation:

First, the formula of the simple interest rate is:

R = I/PT x 100%

Put in the numbers:

R = $100/($150 x 10 years) x 100%

Then calculate:

R = $100/$1500 x 100%

R = 100/15%

R = 6.666%

can I get a detailed explanation about accounting in grade 9 term 1​

Answers

Answer:

Accounting Equation: The accounting equation is a fundamental concept in accounting. It states that assets equal liabilities plus equity. This means that everything a company owns (assets) is either financed by what it owes (liabilities) or by what its owners have put in (equity).

Double-Entry Accounting: Double-entry accounting is a system where every financial transaction has two equal and opposite entries, one on the debit side and one on the credit side. This system is used to ensure that the accounting equation remains balanced.

Financial Statements: Financial statements are reports that show the financial performance and position of a company. The three main financial statements are the balance sheet, income statement, and statement of cash flows.

Recording Transactions: Transactions are recorded in journals, which are then posted to ledgers. Journals record transactions in chronological order, while ledgers organize transactions by account.

Types of Accounts: Accounts can be categorized as assets, liabilities, equity, revenue, and expenses. Assets are resources that a company owns and can use to generate future economic benefits. Liabilities are obligations that a company owes to others. Equity represents the residual interest in the assets of a company after liabilities are deducted. Revenue is money earned by a company from its primary business activities. Expenses are the costs incurred in earning revenue.

These are just a few of the concepts that you may learn in grade 9 accounting. Accounting can be a challenging subject, but with practice and dedication, you can master it.

Explanation:

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Answers

1. The well-known company McDonald's brand promise is to provide fast, affordable, and reliable food to their customers.

What is food ?

Food is any substance consumed to provide nutritional support for an organism. It is usually of plant or animal origin, and contains essential nutrients, such as carbohydrates, fats, proteins, vitamins, or minerals. The substance is ingested by an organism and assimilated by the organism's cells to provide energy, maintain life, or stimulate growth.

2a. The type of company I would like to work for or start up myself is a home decor store. 2b. Company's target customers could be grouped into two categories. 2c. The company could treat these two categories of customers differently by offering discounts.d.Type of channel management described in questions 2b and 2c is not likely to lead to unfair treatment .

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Assume you work for a division of 3M that makes medical monitoring systems. Respond to these questions with a clear explanation : 1/How would the purchasing decision process differ in the following situations? Which situation (a, b and c) is a new task? A modified rebuy? A straight rebuy? Explain. 2/How likely is the buyer to get other people in the organization involved? Which types of people are likely to get involved in each decision? 3/Which situation is likely to produce the slowest decision? Explain. a. The organization is purchasing a custom designed machine to be used in the manufacturing of metal racks that house multiple monitoring systems. b. An organization reorders plastic shields that it uses in making medical monitoring equipment from a regular supplier, a supplier that it has bought from in the past. c. The organization is designing a new line of medical monitoring equipment and wants an improved and updated microprocessor. It is considering its past suppliers as well as some suppliers that it has not bought from before.

Answers

suppliers as well as some upoliers

Explanation:

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why is the diminishing balance method better than the cost price method when calculating depreciation​

Answers

The diminishing balance technique outperforms the cost price method because more depreciation is written off in the first few years. Hence, it helps to less the effects of asset obsolescence.

The tax authorities approve the declining balance technique of depreciation. As a result, the corporation receives tax advantages.

What is the straightforward definition of depreciation?

Depreciation is the expected down value of a fixed asset over a fiscal year. Large lump sum purchases are made for tangible goods like real estate, machinery, cars, and other things.

What does a it do in accounting?

Depreciation is a measurement of the wearing down, consumption, or other loss of value of a depreciable asset resulting from usage, effluxion of time, or obsolescence by technological and market developments.

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have you used the rational decision making model to make a decision?what was the context, how well was the model working ​

Answers

The rational decision-making model is a structured and systematic approach to making decisions that are based on objective reasoning and logical analysis.

What is rational decision making modeland how does it works?

This model is commonly used in organizations and business settings to help individuals or teams make informed decisions. The rational decision-making model is a structured approach to making decisions that are based on logic and reasoning. It is a systematic process that involves several steps, each of which is designed to help the decision-maker evaluate and choose the best possible course of action.

The rational decision-making model is a systematic and objective approach to decision making that helps individuals make informed choices based on sound reasoning and evidence.

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Which process includes determining the project’s course of action?

Answers

Answer:

I think it's the Control Scope Process.

If I got it right...

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he Nelson Company has $1,170,000 in current assets and $450,000 in current liabilities. Its initial inventory level is $280,000, and it will raise funds as additional notes payable and use them to increase inventory. How much can Nelson's short-term debt (notes payable) increase without pushing its current ratio below 2.2? Do not round intermediate calculations. Round your answer to the nearest dollar. $ 150,000 What will be the firm's quick ratio after Nelson has raised the maximum amount of short-term funds? Do not round intermediate calculations. Round your answer to two decimal places.

Answers

The quick ratio after Nelson has raised the maximum amount of short-term funds will be 1.48.

What is quick ratio?

The quick ratio (also known as the acid-test ratio) is a measure of a company's short-term liquidity. It is calculated by dividing a company's total assets minus its inventory by its current liabilities. This ratio reveals a company's ability to pay its current liabilities with its most liquid assets. A quick ratio of 1:1 or higher is generally considered a sign of a financially healthy company, while a ratio lower than 1:1 may indicate that a company lacks the necessary liquidity to pay its current liabilities.

The quick ratio is calculated by dividing the sum of cash, cash equivalents, and marketable securities by the total current liabilities.

In this case, the total current liabilities will be $450,000 + $150,000 = $600,000.

The sum of cash, cash equivalents, and marketable securities will be $1,170,000 - $280,000 = $890,000.

The quick ratio will be $890,000 / $600,000 = 1.48.

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Margot is leading a seminar on active listening. What is the MOST appropriate and accurate sentence for her to include in her seminar about this topic?

Active listening simply means to pay attention.

Active listening focuses solely on verbal language.

Active listening involves a four-part process.

Active listening can only be used in business settings

Answers

Option A: The most suitable and accurate phrase for her to use in her seminar on this subject is "active listening," which simply translates to "paying attention."

How Does Active Listening Work?

To engage in active listening, you must pay close attention to the speaker, comprehend what they are saying, respond to and consider what they are saying, and retain the information for later use. As a result, both the speaker and the listener remain actively engaged in the conversation.

Managerial hints: To better comprehend the speaker's message, engage in active listening by paying close attention to their behavior and body language. Use eye contact and nodding to indicate that you're following along. Pacing and fidgeting, two potential interruptions, should be avoided.

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Other Questions
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