Query: eloan line of credit

Relevant passages:
Alberta Social Credit Party <=SEP=> The Alberta Social Credit Party is a provincial political party in Alberta, Canada, that was founded on the social credit monetary policy and conservative Christian social values. The Canadian social credit movement was largely an out-growth of the Alberta Social Credit Party.  The Social Credit Party of Canada was strongest in Alberta, before developing a base in Quebec when Réal Caouette agreed to merge his Ralliement créditiste movement into the federal party.

Association of British Credit Unions <=SEP=> The Association of British Credit Unions Limited, commonly known as ABCUL, is the leading trade association for credit unions in Great Britain.ABCUL represents around 70% of credit unions who in turn provide services to 85% of the British credit union membership. The Irish League of Credit Unions organises in Northern Ireland on an all-island basis. Both ABCUL and ILCU are members of the European Network of Credit Unions and World Council of Credit Unions.

Caregiver tax credit <=SEP=> The Caregiver Tax Credit (CTC) is a Canadian tax credit available to individuals who provide in-home support for a relative who is a dependent, is over 18 and resides with the supporting relative in his/her residence at some time in the year.  It is found on line 315 of the federal tax return. The dependent must be your child, grandchild, brother, sister, niece, nephew, aunt, uncle, parent or grandparent in order to qualify.

Chargeback <=SEP=> Chargeback is the return of funds to a consumer, mainly used in the United States, forcibly initiated by the issuing bank of the instrument used by a consumer to settle a debt. Specifically, it is the reversal of a prior outbound transfer of funds from a consumer's bank account, line of credit, or credit card.Chargebacks also occur in the distribution industry.

Corporate credit union <=SEP=> A corporate credit union, also known as a central credit union, provides services to natural person (consumer) credit unions. In the credit union industry, they are sometimes referred to as "the credit union’s credit union".

Course credit <=SEP=> A course credit (often credit hour, or just credit or "unit") is a unit that gives weight to the value, level or time requirements of an academic course taken at a school or other educational institution.

Credit (finance) <=SEP=> Credit (from Latin credere, "to believe") is the trust which allows one party to provide money or resources to another party where that second party does not reimburse the first party immediately (thereby generating a debt), but instead arranges either to repay or return those resources (or other materials of equal value) at a later date. The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit).

Credit CARD Act of 2009 <=SEP=> The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on May 22, 2009.

Credit One Bank <=SEP=> Credit One Bank, N.A. , or Credit One, is a U.S. based bank specializing in credit cards. It has corporate offices in Paradise, Nevada. The bank is held by Credit One Financial, a bank holding company registered in Nevada. Credit One Financial is a wholly owned subsidiary of Sherman Financial Group, LLC. As of February 2011, Credit One services approximately 2 million cardholders across the United States.

Credit Suisse <=SEP=> Credit Suisse Group is a Switzerland-based multinational financial services holding company, headquartered in Zürich, that operates the Credit Suisse Bank and other financial services investments.

Credit bureau <=SEP=> A credit bureau — also known as consumer reporting agency in the United States, credit reference agency in the United Kingdom, and credit reporting body in Australia — is a company that collects information from various sources and provides consumer credit information on individual consumers for a variety of uses. It is an organization providing information on individuals' borrowing and bill-paying habits.

Credit card <=SEP=> A credit card is a payment card issued to users (cardholders) as a method of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them.

Credit card fraud <=SEP=> Credit card fraud is a wide-ranging term for theft and fraud committed using or involving a payment card, such as a credit card or debit card, as a fraudulent source of funds in a transaction. The purpose may be to obtain goods without paying, or to obtain unauthorized funds from an account. Credit card fraud is also an adjunct to identity theft.

Credit crunch <=SEP=> A credit crunch  (also known as a credit squeeze or credit crisis) is a reduction in the general availability of loans (or credit) or a sudden tightening of the conditions required to obtain a loan from the banks.  A credit crunch generally involves a reduction in the availability of credit independent of a rise in official interest rates.

Credit default swap <=SEP=> A credit default swap (CDS) is a financial swap agreement that the seller of the CDS will compensate the buyer (usually the creditor of the reference loan) in the event of a loan default (by the debtor) or other credit event. This is to say that the seller of the CDS insures the buyer against some reference loan defaulting.The buyer of the CDS makes a series of payments (the CDS "fee" or "spread") to the seller and, in exchange, receives a payoff if the loan defaults.

Credit fracking <=SEP=> Credit fracking is a term used by bankers and creditors when breaking up the credit history of a company to piggyback onto another company to raise the credit score or credit line of the new company.The best way to describe Credit Fracking is if  1 or 2 investors buy a company and then break it up into smaller pieces and sell it off to hundreds or thousands of individuals for a profit. The same thing applies to credit history.

Credit history <=SEP=> This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score in the United States.A credit history is a record of a borrower's responsible repayment of debts.   A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments.

Credit limit <=SEP=> A credit limit is the maximum amount of credit that a financial institution or other lender will extend to a debtor for a particular line of credit (sometimes called a credit line, line of credit, or a tradeline).

Credit rating <=SEP=> A credit rating is an evaluation of the credit worthiness of a debtor, especially a business (company) or a government, but not individual consumers. The evaluation is made by a credit rating agency of the debtor's ability to pay back the debt and the likelihood of default.

Credit rating agency <=SEP=> A credit rating agency (CRA, also called a ratings service) is a company that assigns credit ratings, which rate a debtor's ability to pay back debt by making timely interest payments and the likelihood of default.

Credit risk <=SEP=> A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. In the first resort, the risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. The loss may be complete or partial and can arise in a number of circumstances, for example: A consumer may fail to make a payment due on a mortgage loan, credit card, line of credit, or other loan.

Credit score <=SEP=> A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of the person. A credit score is primarily based on a credit report information typically sourced from credit bureaus.Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt.

Credit score in the United States <=SEP=> A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts.Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers.  Widespread use of credit scores has made credit more widely available and less expensive for many consumers.

Credit union <=SEP=> A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members.

Credit unions in the United States <=SEP=> Credit unions in the United States serve 100 million members, comprising 43.7% of the economically active population. U.S. credit unions are not-for-profit, cooperative, tax-exempt organizations. As of October 2011, the largest American credit union was Navy Federal Credit Union, serving U.S. Department of Defense employees, contractors, and families of servicepeople, with over $45 billion USD in assets and over 3.4 million members.  Total credit union assets in the U.S.

Debit MasterCard <=SEP=> The Debit MasterCard is a debit card. It uses the same systems as the standard MasterCard credit card and does not use a line of credit to the customer, instead relying on funds that the customer has in their bank account.

E-Loan <=SEP=> E-Loan, Inc. is a Rosemont, Illinois-based financial services company that offers savings accounts and certificates of deposit (CDs) and access to partners that may be able to assist customers in obtaining loans.In October 2008, E-Loan's parent company, Popular, Inc. said E-Loan would no longer operate as a direct mortgage lender in 2009, but would continue to provide certificates of deposit and savings accounts.

Exim Bank (India) <=SEP=> Export-Import Bank of India is the premier export finance institution in India, established in 1982 under the Export-Import Bank of India Act 1981. Since its inception, Exim Bank of India has been both a catalyst and a key player in the promotion of cross border trade and investment.

Export credit agency <=SEP=> An export credit agency (known in trade finance as an ECA) or investment insurance agency is a private or quasi-governmental institution that acts as an intermediary between national governments and exporters to issue export financing. The financing can take the form of credits (financial support) or credit insurance and guarantees (pure cover) or both, depending on the mandate the ECA has been given by its government. ECAs can also offer credit or cover on their own account.

Financial services <=SEP=> Financial services are the economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including credit unions, banks, credit-card companies, insurance companies, accountancy companies,  consumer-finance companies, stock brokerages, investment funds and some government-sponsored enterprises.

First Jersey Credit Union <=SEP=> First Jersey Credit Union is a federally insured, state chartered, 102 million dollar, 7,606 member, natural person, credit union operating from two branches in Passaic County, New Jersey.

First Tech Credit Union <=SEP=> First Tech Federal Credit Union (or First Tech) is a federally chartered credit union headquartered in Mountain View, California. It is regulated under the authority of the National Credit Union Administration (NCUA).

History of credit unions <=SEP=> Credit unions are not-for-profit financial cooperatives.  In the early stages of development of a nation's financial system, unserved and underserved populations must rely on risky and expensive informal financial services from sources like money lenders, ROSCAs and saving at home.  Credit unions proved they could meet demand for financial services that banks could not:  from professional, middle class and poorer people.

Home equity line of credit <=SEP=> A home equity line of credit (often called HELOC and pronounced Hee-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period (called a term), where the collateral is the borrower's equity in his/her house (akin to a second mortgage).

Home equity loan <=SEP=> A home equity loan is a type of  loan in which the borrower uses the equity of his or her home as collateral. Home equity loans are often used to finance major expenses such as home repairs, medical bills, or college education. A home equity loan creates a lien against the borrower's house and reduces actual home equity.Most home equity loans require good to excellent credit history, reasonable loan-to-value and combined loan-to-value ratios.

Irish League of Credit Unions <=SEP=> The Irish League of Credit Unions (ILCU) is a trade association for credit unions in Ireland. It operates in both the Republic of Ireland and Northern Ireland. It is an unincorporated body governed by a board of directors elected by member credit unions.

Lafayette Federal Credit Union <=SEP=> Lafayette Federal Credit Union (Lafayette Federal), is a credit union headquartered in Kensington, Maryland, chartered and regulated under the authority of the National Credit Union Administration (NCUA) of the U.S. Federal government. As of June 2013, Lafayette Federal had over $368 million USD in assets, and over 14,000 members.

Letter of credit <=SEP=> A letter of credit is a document from a bank guaranteeing that a seller will receive payment in full as long as certain delivery conditions have been met. In the event that the buyer is unable to make payment on the purchase, the bank will cover the outstanding amount.They are often used in international transactions to ensure that payment will be received where the buyer and seller may not know each other and are operating in different countries.

Line of credit <=SEP=> A line of credit is credit source extended to a government, business or individual by a bank or other financial institution. A line of credit may take several forms, such as  overdraft protection, demand loan, special purpose, export packing credit, term loan, discounting, purchase of commercial bills, traditional revolving credit card account, etc. It is effectively a source of funds that can readily be tapped at the borrower's discretion. Interest is paid only on money actually withdrawn.

List of credit unions in the United States <=SEP=> This is a list of credit unions in the United States, in which only notable credit unions and related organizations are included. A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members. Credit unions in the United States may either be chartered by the federal government or a state government.

Loan <=SEP=> In finance, a loan is a debt provided by one entity (organization or individual) to another entity at an interest rate, and evidenced by a note which specifies, among other things, the principal amount, interest rate, and date of repayment.

Ministry of Finance and Public Credit (Colombia) <=SEP=> The Ministry of Finance and Public Credit (Spanish: Ministerio de Hacienda y Crédito Público), is the national executive ministry of the Government of Colombia responsible for the financial and budgetary matters of the country as well as implementing the financial policies passed by Congress, equivalent to the finance ministries of other countries.The Ministry was created on 18 July 1923 by fusing together the existing Ministries of Finance and of the Treasury.The Ministry of Finance and Public Credit is active in developing financial inclusion policy and is a member of the Alliance for Financial Inclusion.

Moody's Investors Service <=SEP=> Moody's Investors Service, often referred to as Moody's, is the bond credit rating business of Moody's Corporation, representing the company's traditional line of business and its historical name.

Navy Federal Credit Union <=SEP=> Navy Federal Credit Union (or Navy Federal) is a US credit union headquartered in Vienna, Virginia, chartered and regulated under the authority of the National Credit Union Administration (NCUA).  Navy Federal is the largest natural member (or retail) credit union in the United States, both in asset size and in membership.  As of August 2015, Navy Federal had nearly $70 billion USD in assets, and nearly 5.7 million members.

Offshore credit card <=SEP=> Offshore credit cards are credit cards issued by an offshore bank in a jurisdiction that is different from that of the cardholder. Real 'unsecured' offshore credit cards with credit lines are very difficult for the average person to obtain because banks refuse to issue them. Most banks will need possession of reliable credit histories and a means of getting their money back.

Online authorisation <=SEP=> Online Authorization (or OLA) is a system used to verify a transaction on a payment card (e.g. credit card). The term 'on-line' refers to the real-time nature of the verification.

Online banking <=SEP=> Online banking is an electronic payment system that enables customers of a financial institution to conduct financial transactions on a website operated by the institution, such as a retail bank, virtual bank, credit union or building society.

PayPal Credit <=SEP=> PayPal Credit, formerly named Bill Me Later, is a proprietary payment method offered on the websites of many well-known merchants, including those of Wal-Mart, Home Depot, USPS, B&H Photo Video, Best Buy, Overstock.com, JetBlue Airways, Liquidation Channel, Jewelry Television and Hotels.com. The site, which offers consumers a line of revolving credit through Comenity Capital Bank, allows purchases to be made online without using a credit card.

Port Credit GO Station <=SEP=> Port Credit GO Station is a train and bus station in the GO Transit network located in the Port Credit area of Mississauga, Ontario in Canada. It is a stop on the Lakeshore West line train service.

Precautionary demand <=SEP=> Precautionary demand is the demand for financial assets, such as securities, money or foreign currency; it is money people hold in case of emergency.In economic theory, specifically Keynesian economics, precautionary demand is one of the determinants of demand for money (and credit), the others being transactions demand and speculative demand.The precautionary demand for money refers to real balances held for use in a contingency.

Prince George's Community Federal Credit Union <=SEP=> Prince George's Community Federal Credit Union (PGCFCU or Prince George's Community FCU), previously known as Prince George's Employees Federal Credit Union (PGEFCU), is a credit union in Prince George's County, Maryland. It was established on July 18, 1967. It has more than 14,000 members and assets above $90 million.

Research and Development Expenditure Credit <=SEP=> The Research and Development Expenditure Credit (RDEC), introduced in 2013, is a UK tax incentive designed to encourage large companies to invest in R&D in the UK. Companies can reduce their tax bill or claim payable cash credits as a proportion of their R&D expenditure.The initiative builds on the existing R&D Tax Credit scheme which has been in operation for large companies since 2002 and is one of a number of  technology tax relief schemes introduced by successive UK Governments.

Revolving credit <=SEP=> Revolving credit is a type of credit that does not have a fixed number of payments, in contrast to installment credit. Credit cards are an example of revolving credit used by consumers. Corporate revolving credit facilities are typically used to provide liquidity for a company's day-to-day operations.

SafeAmerica Credit Union <=SEP=> SafeAmerica Credit Union is a 310 million dollar, privately insured, state chartered 24,000 member, natural person credit union operating from six public and two company branches in the San Francisco Bay Area of California. The headquarters are in Pleasanton, California.

Sarasota Coastal Credit Union <=SEP=> Sarasota Coastal Credit Union (now Achieva Credit Union), was a state chartered credit union and was regulated under the authority of the National Credit Union Administration (NCUA). On November 1, 2009, Sarasota Coastal Credit Union merged with Achieva Credit Union, which is headquartered in Clearwater, Florida.  The merger created a credit union with more than $800 million in assets and more than 90,000 members in seven counties.

Seasoned tradeline <=SEP=> A seasoned tradeline is a line of credit that the borrower has held open in good standing for a long period of time, typically at least 2 years. The "seasoned" part simply implies that the account is aged or that it has an established history.

Security Service Federal Credit Union <=SEP=> Security Service Federal Credit Union (SSFCU) is a federally insured, federally chartered, $8 billion, natural person credit union with more than 925,000 members, operating from 70 service centers in the U.S. states of Texas, Colorado, and Utah.

Seoul Metropolitan Subway <=SEP=> The Seoul Metropolitan Subway has been described as the world's longest multi-operator metro system by route length.

Ship of the line <=SEP=> A ship of the line was a type of naval warship constructed from the 17th through to the mid-19th century to take part in the naval tactic known as the line of battle, in which two columns of opposing warships would manoeuvre to bring the greatest weight of broadside firepower to bear.

Signature line of credit <=SEP=> A signature line of credit is a revolving line of credit that is not backed by collateral; i.e., the sole criterion for the decision to grant the loan and establish the terms thereof is an assessment of the customer's credit rating. Also known as an "unsecured line of credit".

Social Credit Party of Canada <=SEP=> The Social Credit Party of Canada (French: Parti Crédit social du Canada) colloquially known as the Socreds, was a conservative-populist political party in Canada that promoted social credit theories of monetary reform.  It was the federal wing of the Canadian social credit movement.

Space Telescope Science Institute <=SEP=> The Space Telescope Science Institute (STSCI) is the science operations center for the Hubble Space Telescope (HST; in orbit since 1990) and for the James Webb Space Telescope (JWST; scheduled to be launched in 2018). STSCI is located on the Johns Hopkins University Homewood Campus in Baltimore, Maryland and was established in 1981 as a community-based science center that is operated for NASA by the Association of Universities for Research in Astronomy (AURA).

Swedish Export Credit Corporation <=SEP=> The Swedish Export Credit Corporation (Swedish: Aktiebolaget Svensk Exportkredit) is a state-owned corporation that serves as a export credit agency. It provides medium- and long-term export credits. It works with the Ministry of Finance.

Tampa Bay Federal Credit Union Station <=SEP=> Tampa Bay Federal Credit Union (also known as Federal Credit Union) is a TECO Line streetcar station in historic Ybor City. The station has one island platform, located on a passing siding, that allows for trams to pass by each other on the single track line. Just west of the stations, there are two pedestrian overpasses over 8th Avenue that are part of the Centro Ybor complex.

Tax credit <=SEP=> A tax credit is a tax incentive which allows certain taxpayers to subtract the amount of the credit from the total they owe the state.Tax credits can be granted in recognition of taxes already paid or to encourage behaviors like investment or parenting.

Trade credit insurance <=SEP=> Trade credit insurance, business credit insurance, export credit insurance, or credit insurance is an insurance policy and a risk management product offered by private insurance companies and governmental export credit agencies to business entities wishing to protect their accounts receivable from loss due to credit risks such as protracted default, insolvency or bankruptcy.

Transfer credit <=SEP=> Transfer credit, credit transfer, or advanced standing are the terms used by colleges and universities for the procedure of granting credit to a student for educational experiences or courses undertaken at another "nstitution.\Advanced standing" is also used to describe the status of a student granted credit, as distinct from normal course entrants who commence the stream of study at the beginning.

Warehouse line of credit <=SEP=> A warehouse line of credit is a credit line used by mortgage bankers. It is a short-term revolving credit facility extended by a financial institution to a mortgage loan originator for the funding of mortgage loans.The cycle starts with the mortgage banker taking a loan application from the property buyer. Then the loan originator secures an investor (often a large institutional bank) to whom the loan will be sold, whether directly or through a securitization.

World Council of Credit Unions <=SEP=> The World Council of Credit Unions (World Council or WOCCU) is the leading international trade association and development agency for credit unions and cooperative financial institutions. World Council promotes the self-sustainable development of credit unions and other financial cooperatives around the world to empower people through access to high quality and affordable financial services.