Тематический сборник текстов для чтения (английский язык). Соснина Е.П - 123 стр.

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's tores ,' other than to collect rent and provide utilities. Today only the most s pecialized
departments are leased out. This could include photography and photo finishing, automotive
services, or financial services. But this is rare. Even the store restaurant is usually run by the
department store now.
Virtually since the beginning department stores featured food courts, entertainments,
specialty and seasonal kiosks. These were joined together in spectacular buildings with
central atriums, with the departments arrayed around this center. The owners of the larger
building usually advertised his department store as a bastion of convenience and ease, but
left individual departments free to advertise themselves.
In 1906, Harry Gordon Selfridge a junior partner in Marshall Field's, left America to set
up a department s tore, Selfridges in London. After it opened in 1909 it s timulated wide-
ranging changes to British retail practice, and the establishment of further department store
chains., such as Marks & Spencer
Text 4. Credit card
A credit card system is a type of retail transaction settlement and credit system,
named after the small plastic card issued to users of the system. A credit card is different
from a debit card in that the credit card issuer lends the consumer money rather than having
the money removed from an account. Most credit cards are the same shape and size, as
specified by the ISO 7810 standard.
A credit card user is issued the card after approval from a provider (often a general
bank, but sometimes from a captive bank created to issue a particular brand of credit card,
s uch as American Express Centurion Bank), in which they will be able to ma ke purchas es
from merchants supporting that credit card up to a prenegotiated credit limit. When a
purchase is made, the credit card user indicates their consent to pay, usually by signing a
receipt with a record of the card details and indicating the amount to be paid. More recently,
electronic verification systems have allowed merchants (using a strip of magnetized
material on the card holding information in a similar manner to magnetic tape or a floppy
disk) to verify that the card is valid and the credit card customer has sufficient credit to
cover the purchase in a few seconds, allowing the verification to happen at time of purchase.
Some services can be paid for over the telephone by credit card merely by quoting the

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