Credit

Credit may refer to:

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Credit card

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. The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

A credit card is different from a charge card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

Credit score

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. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.

Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has much overlap with data mining, which uses many similar techniques. These techniques combine thousands of factors but are similar or identical.

Wiz Khalifa

Cameron Jibril Thomaz (born September 8, 1987), better known by his stage name Wiz Khalifa, is an American recording artist, songwriter and actor. He released his debut album, Show and Prove, in 2006, and signed to Warner Bros. Records in 2007. His Eurodance-influenced single, "Say Yeah", received urban radio airplay, charting on the Rhythmic Top 40 and Hot Rap Tracks charts in 2008.

Khalifa parted with Warner Bros. and released his second album, Deal or No Deal, in November 2009. He released the mixtape Kush and Orange Juice as a free download in April 2010; he then signed with Atlantic Records. He is also well known for his debut single for Atlantic, "Black and Yellow", which peaked at number one on the Billboard Hot 100. His debut album for the label, Rolling Papers, was released on March 29, 2011. He followed that album with O.N.I.F.C. on December 4, 2012, which was backed by the singles "Work Hard, Play Hard" and "Remember You". Wiz released his fourth album Blacc Hollywood on August 18, 2014, backed by the lead single We Dem Boyz. In March 2015, he released "See You Again" for the soundtrack of the film Furious 7 and the song peaked at number one on the Billboard Hot 100.

Ty Dolla Sign

Tyrone William Griffin, Jr. (born April 13, 1985), better known by his stage name Ty Dolla Sign (stylized as Ty Dolla $ign or Ty$), is an American hip hop and R&B recording artist from Los Angeles, California. He first gained major recognition in 2010, through his appearance on YG's "Toot It and Boot It," which Ty Dolla Sign wrote and produced for Def Jam Recordings. In the summer of 2013, he signed a record deal with Wiz Khalifa's Taylor Gang Records and subsequently released the successful Beach House 2 mixtape. He originates from Inglewood, California.

Musical career

2007–11: Career beginnings

The son of musician Tyrone Griffin, a member of Lakeside, Ty Dolla Sign began his music career by learning how to play the bass guitar. Since then, he also learned to play drums, guitar, keyboards and the MPC. Later, he and his partner Kory, signed a record deal with Venus Brown and Buddah Brown Ent, and released a mixtape, titled Raw & Bangin Mixtape Vol 2. The duo also made guest appearances on albums by other artists such as Sa-Ra Creative Partners and Black Milk, where they sang on the song "U" on the latter's 2007 recording Popular Demand. However, that deal began to fall through, causing Dolla Sign and Kory to call it quits with each other.