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of these include Visa and Mastercard. Such cards, in use in the USA since 1950 and in the UK since 1966, have contributed to the large increase in consumer debt. As the banks financing these cards advance the amount due to retailers and collect from the cardholders later, they bring about a short-term increase in the money supply. Like the development of other modem financial arrangements, credit cards have made it more difficult for central banks to control the money supply.<br /><em>See also:</em> affinity card; charge card; debit card; smart card
job generation (J6)<br />The expansion of employment in either the public or private sector. In the former, regional and other policies are used to create jobs; in the latter, new jobs are preceded by an expansion in a market.
<strong>Default</strong> – Occurs when the borrower fails to make FFEL Program loan payments for 270 days or more or when the borrower fails to meet other terms of the promissory note.
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