Interest-sensitive borrowers

General purpose credit cards are the most widely issued and accepted the majority are MasterCard and Visa affiliated. Today, most general purpose credit cards are issued in the form of teaser rate cards, which offer a very low or even 0% APR to new cardholders for a limited period, usually up to six months. Such offers are aimed at interest-sensitive borrowers, and... 

The other enhancement method is to use molecular electronic resonances [19, 22, 23]. A most interesting topic in this enhancement method is so-called molecular near-held effect reported by Kano et al. [34]. This effect, explained by intermolecular vibronic coupling, makes HRS spectroscopy highly sensitive to intermolecular interactions one can observe HRS modes of solvent molecules adjacent to the solute dye molecules via the intensity borrowing from the dye molecules. That is, solvent-solute interactions are selectively observed without impairment from signals of the bulk solvent. It is almost impossible to observe a similar effect in resonance RS spectroscopy because of the unavoidable contribution from Franck-Condon type resonance. 

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