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VISA/MasterCard Credit Cards vs. Debit Cards: Key Differences The key differences between VISA/MasterCard credit cards and debit cards lie in how transactions are processed, the source of funds, and the cardholder's financial responsibilities: 1. Source of Funds Credit Card : When you use a VISA or MasterCard credit card, you borrow money from a credit line provided by the card issuer. You must repay this amount, typically with interest if the balance is not paid in full within the grace period. Debit Card : When you use a VISA or MasterCard debit card, money is withdrawn directly from your bank account. No borrowing is involved. 2. Payment Process Credit Card : You can pay for purchases immediately or over time. There is a billing cycle (usually monthly), and you receive a statement showing the total amount owed. If you don't pay the full amount by the due date, interest is typically charged on the remaining balance. Debit Card : Payments are deducted immediately or withi...

A General Theory on the Business Application of AI-Generated Deliverables Introduction  Artificial intelligence (AI) has rapidly evolved, transforming various industries and business processes. AI-generated deliverables, such as content, code, and designs, are becoming increasingly prevalent. However, the full potential and challenges of integrating these deliverables into business operations are still being explored. This paper aims to develop a general theory on the business application of AI-generated deliverables, considering their impact on productivity, creativity, quality, and legal implications. Development  The theory posits that AI-generated deliverables can significantly enhance business operations by: Increasing Productivity: AI can automate routine tasks, freeing up human resources to focus on more strategic and creative endeavors. For example, AI-powered writing assistants can draft emails and reports, while AI-driven design tools can generate basic layouts an...