Credit card cards. Merchants often advertise which cards they accept by displaying acceptance marks – generally derived from logos – or this may be communicated in signage in the establishment or in company material (e.g., a restaurant's menu may indicate which credit cards are accepted). Merchants may also communicate this orally, as in "We take (brands X, Y, and Z)" or "We don't take credit cards". The credit card issuer issues a credit card to a customer at the time or after an account has been approved by the credit provider, which need not be the same entity as the card issuer.
Choice (credit card) Choice (credit card) Choice was a credit card test marketed by Citibank in the United States, announced in 1977, and first issued in 1978. It was one of the first cards to offer a cash refund program, and no annual fee. Choice was intended to create a rival to Visa, MasterCard, and American Express, but proved unsuccessful, and was withdrawn in 1987. Citibank has continued to use the "Choice" name on some of its Visa and MasterCard cards. The card was introduced in 1977, when Citibank bought NAC, a regional credit card based in Baltimore, renaming it Choice. A subsequent