|
A cheque guarantee card was essentially an abbreviated portable letter of credit granted by a bank to a qualified depositor in the form of a plastic card that was used in conjunction with a cheque. This allowed retailers to accept cheques and providing that the retailer wrote the card number on the back of the cheque, it was signed in the retailer's presence, and the retailer verified the signature on the cheque against the signature on the card, then the cheque could not be stopped and payment could not be refused by the bank. This arrangement worked only for cheques drawn on an account provided by the bank that issued the card and could result in an overdraft with penalty interest. After the introduction of debit cards there was a rapid decline in the use of cheque guarantee cards and these facilities were generally phased out in the countries that operated them during the 2000s. The Irish cheque guarantee scheme officially ended on 31 December 2011, ending the last such scheme in existence. ==History== The first such scheme was introduced in the UK in 1965. During the 1980 cheque guarantee cards were often combined with ATM cards for convenience. Usage of cheque guarantee system declined significantly during the 1990s with the introduction of debit cards. In 2001, with the abolition of Eurocheques in Germany and other European countries, the cheque guarantee system also ended in those countries and many retailers stopped accepting cheques altogether. In 2011 after many years of decline, the Payments Council ended the UK cheque guarantee system, leaving Ireland as the last country to still operate a cheque guarantee card scheme. The ''Irish Paper Clearing Company Limited'' announced that the Irish system would officially end in 31 December 2011 bringing the last such scheme to an end.〔(【引用サイトリンク】 title=Cheque Card Guarantee Scheme )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Cheque guarantee card」の詳細全文を読む スポンサード リンク
|