[[File:Creditcardwcontactless.png|thumb|right|225px|An example of the front in a typical credit card:

1. Issuing bank logo
2. EMV chip on "smart cards"
3. Hologram
4. Credit card number
5. Card brand logo
6. Expiration Date
7. Card Holder Name
8. contactless chip

]] [[File:CCardBack.svg|thumb|right|225px|An example of the reverse side of a typical credit card:

1. Magnetic Stripe
2. Signature Strip
3. Card Security Code

]]

A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

A credit card is different from a charge card: a charge card requires the balance to be paid 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. Most credit cards are issued by banks or credit unions, and are the shape and size specified by the ISO/IEC 7810 standard as ID-1. This is defined as (3³/₈ × 2¹/₈ in) in size.

History

The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel ''Looking Backward''. Bellamy used the term ''credit card'' eleven times in this novel.

The modern credit card was the successor of a variety of merchant credit schemes. It was first used in the 1920s, in the United States, specifically to sell fuel to a growing number of automobile owners. In 1938 several companies started to accept each other's cards. Western Union had begun issuing charge cards to its frequent customers in 1921. Some charge cards were printed on paper card stock, but were easily counterfeited.

The Charga-Plate, developed in 1928, was an early predecessor to the credit card and used in the U.S. from the 1930s to the late 1950s. It was a 2½" × 1¼" rectangle of sheet metal related to Addressograph and military dog tag systems. It was embossed with the customer's name, city and state. It held a small paper card for a signature. In recording a purchase, the plate was laid into a recess in the imprinter, with a paper "charge slip" positioned on top of it. The record of the transaction included an impression of the embossed information, made by the imprinter pressing an inked ribbon against the charge slip. Charga-Plate was a trademark of Farrington Manufacturing Co. Charga-Plates were issued by large-scale merchants to their regular customers, much like department store credit cards of today. In some cases, the plates were kept in the issuing store rather than held by customers. When an authorized user made a purchase, a clerk retrieved the plate from the store's files and then processed the purchase. Charga-Plates speeded back-office bookkeeping that was done manually in paper ledgers in each store, before computers.

In 1936, American Airlines and the Air Transport Association simplified the process even more with the advent of the Air Travel Card. They created a numbering scheme that identified the Issuer of card as well as the Customer account. This is the reason the modern UATP cards still start with the number 1. With an Air Travel Card passengers could “buy now, and pay later” for a ticket against their credit and receive a fifteen percent discount at any of the accepting airlines. By the 1940s, all of the major domestic airlines offered Air Travel Cards that could be used on 17 different airlines. By 1941 about half of the Airlines Revenues came through the Air Travel Card agreement. The Airlines had also started offering installment plans to lure new travelers into the air. In October 1948 the Air Travel Card become the first inter-nationally valid Charge Card within all members of the International Air Transport Association.

The concept of customers paying different merchants using the same card was expanded in 1950 by Ralph Schneider and Frank McNamara, founders of Diners Club, to consolidate multiple cards. The Diners Club, which was created partially through a merger with Dine and Sign, produced the first "general purpose" charge card, and required the entire bill to be paid with each statement. That was followed by Carte Blanche and in 1958 by American Express which created a worldwide credit card network (although these were initially charge cards that acquired credit card features after BankAmericard demonstrated the feasibility of the concept).

However, until 1958, no one had been able to create a working ''revolving credit'' financial instrument issued by a third-party bank that was generally accepted by a large number of merchants (as opposed to merchant-issued revolving cards accepted by only a few merchants). A dozen experiments by small American banks had been attempted (and had failed). In September 1958, Bank of America launched the ''BankAmericard'' in Fresno, California. BankAmericard became the first successful recognizably modern credit card (although it underwent a troubled gestation during which its creator resigned), and with its overseas affiliates, eventually evolved into the Visa system. In 1966, the ancestor of MasterCard was born when a group of California banks established Master Charge to compete with BankAmericard; it received a significant boost when Citibank merged its proprietary Everything Card (launched in 1967) into Master Charge in 1969.

Early credit cards in the U.S., of which BankAmericard was the most prominent example, were mass produced and mass mailed unsolicited to bank customers who were thought to be good credit risks. But, “They have been mailed off to unemployables, drunks, narcotics addicts and to compulsive debtors, a process President Johnson’s Special Assistant Betty Furness found very like ‘giving sugar to diabetics’.” These mass mailings were known as "drops" in banking terminology, and were outlawed in 1970 due to the financial chaos they caused, but not before 100 million credit cards had been dropped into the U.S. population. After 1970, only credit card applications could be sent unsolicited in mass mailings.

The fractured nature of the U.S. banking system under the Glass–Steagall Act meant that credit cards became an effective way for those who were traveling around the country to move their credit to places where they could not directly use their banking facilities. In 1966 Barclaycard in the UK launched the first credit card outside of the U.S.

There are now countless variations on the basic concept of revolving credit for individuals (as issued by banks and honored by a network of financial institutions), including organization-branded credit cards, corporate-user credit cards, store cards and so on.

Although credit cards reached very high adoption levels in the US, Canada and the UK in the mid twentieth century, many cultures were more cash-oriented, or developed alternative forms of cash-less payments, such as Carte bleue or the Eurocard (Germany, France, Switzerland, and others). In these places, adoption of credit cards was initially much slower. It took until the 1990s to reach anything like the percentage market-penetration levels achieved in the US, Canada, or UK. In some countries, acceptance still remains poor as the use of a credit card system depends on the banking system being perceived as reliable. Japan remains a very cash oriented society, with credit card adoption being limited to only the largest of merchants, although an alternative system based on RFIDs inside cellphones has seen some acceptance. Because of strict regulations regarding banking system overdrafts, some countries, France in particular, were much faster to develop and adopt chip-based credit cards which are now seen as major anti-fraud credit devices. Debit cards and online banking are used more widely than credit cards in some countries.

The design of the credit card itself has become a major selling point in recent years. The value of the card to the issuer is often related to the customer's usage of the card, or to the customer's financial worth. This has led to the rise of Co-Brand and Affinity cards - where the card design is related to the "affinity" (a university or professional society, for example) leading to higher card usage. In most cases a percentage of the value of the card is returned to the affinity group.

Collectible credit cards

A growing field of numismatics (study of money), or more specifically exonumia (study of money-like objects), credit card collectors seek to collect various embodiments of credit from the now familiar plastic cards to older paper merchant cards, and even metal tokens that were accepted as merchant credit cards. Early credit cards were made of celluloid plastic, then metal and fiber, then paper, and are now mostly plastic.

How credit cards work

Credit cards are issued by a credit card issuer, such as a bank or credit union, after an account has been approved by the credit provider, after which cardholders can use it to make purchases at merchants accepting that card. Merchants often advertise which cards they accept by displaying acceptance marks – generally derived from logos – or may communicate this orally, as in "Credit cards are fine" (implicitly meaning "major brands"), "We take (brands X, Y, and Z)", or "We don't take credit cards".

When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN). Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a card not present transaction (CNP).

Electronic verification systems allow merchants to verify in a few seconds that the card is valid and the credit card customer has sufficient credit to cover the purchase, allowing the verification to happen at time of purchase. The verification is performed using a credit card payment terminal or point-of-sale (POS) system with a communications link to the merchant's acquiring bank. Data from the card is obtained from a magnetic stripe or chip on the card; the latter system is called Chip and PIN in the United Kingdom and Ireland, and is implemented as an EMV card.

For card not present transactions where the card is not shown (e.g., e-commerce, mail order, and telephone sales), merchants additionally verify that the customer is in physical possession of the card and is the authorized user by asking for additional information such as the security code printed on the back of the card, date of expiry, and billing address.

Each month, the credit card user is sent a statement indicating the purchases undertaken with the card, any outstanding fees, and the total amount owed. After receiving the statement, the cardholder may dispute any charges that he or she thinks are incorrect (see , which limits cardholder liability for unauthorized use of a credit card to $50, and the Fair Credit Billing Act for details of the US regulations). Otherwise, the cardholder must pay a defined minimum proportion of the bill by a due date, or may choose to pay a higher amount up to the entire amount owed. The credit issuer charges interest on the amount owed if the balance is not paid in full (typically at a much higher rate than most other forms of debt). In addition, if the credit card user fails to make at least the minimum payment by the due date, the issuer may impose a "late fee" and/or other penalties on the user. To help mitigate this, some financial institutions can arrange for automatic payments to be deducted from the user's bank accounts, thus avoiding such penalties altogether as long as the cardholder has sufficient funds.

Advertising, solicitation, application and approval

Credit card advertising regulations include the Schumer box disclosure requirements. A large fraction of junk mail consists of credit card offers created from lists provided by the major credit reporting agencies. In the United States, the three major US credit bureaus (Equifax, TransUnion and Experian) allow consumers to opt out from related credit card solicitation offers via its Opt Out Pre Screen program.

Interest charges

Credit card issuers usually waive interest charges if the balance is paid in full each month, but typically will charge full interest on the entire outstanding balance from the date of each purchase if the total balance is not paid.

For example, if a user had a $1,000 transaction and repaid it in full within this grace period, there would be no interest charged. If, however, even $1.00 of the total amount remained unpaid, interest would be charged on the $1,000 from the date of purchase until the payment is received. The precise manner in which interest is charged is usually detailed in a cardholder agreement which may be summarized on the back of the monthly statement. The general calculation formula most financial institutions use to determine the amount of interest to be charged is APR/100 x ADB/365 x number of days revolved. Take the annual percentage rate (APR) and divide by 100 then multiply to the amount of the average daily balance (ADB) divided by 365 and then take this total and multiply by the total number of days the amount revolved before payment was made on the account. Financial institutions refer to interest charged back to the original time of the transaction and up to the time a payment was made, if not in full, as RRFC or residual retail finance charge. Thus after an amount has revolved and a payment has been made, the user of the card will still receive interest charges on their statement after paying the next statement in full (in fact the statement may only have a charge for interest that collected up until the date the full balance was paid, i.e. when the balance stopped revolving).

The credit card may simply serve as a form of revolving credit, or it may become a complicated financial instrument with multiple balance segments each at a different interest rate, possibly with a single umbrella credit limit, or with separate credit limits applicable to the various balance segments. Usually this compartmentalization is the result of special incentive offers from the issuing bank, to encourage balance transfers from cards of other issuers. In the event that several interest rates apply to various balance segments, payment allocation is generally at the discretion of the issuing bank, and payments will therefore usually be allocated towards the lowest rate balances until paid in full before any money is paid towards higher rate balances. Interest rates can vary considerably from card to card, and the interest rate on a particular card may jump dramatically if the card user is late with a payment on that card ''or any other credit instrument'', or even if the issuing bank decides to raise its revenue.

Benefits to customers

The main benefit to each customer is convenience. Compared to debit cards and cheques, a credit card allows small short-term loans to be quickly made to a customer who need not calculate a balance remaining before every transaction, provided the total charges do not exceed the maximum credit line for the card. Credit cards also provide more fraud protection than debit cards. In the UK for example, the bank is jointly liable with the merchant for purchases of defective products over £100.

Many credit cards offer rewards and benefits packages, such as offering enhanced product warranties at no cost, free loss/damage coverage on new purchases, and points which may be redeemed for cash, products, or airline tickets.

Detriments to customers

High interest and bankruptcy

Low introductory credit card rates are limited to a fixed term, usually between 6 and 12 months, after which a higher rate is charged. As all credit cards charge fees and interest, some customers become so indebted to their credit card provider that they are driven to bankruptcy. Some credit cards often levy a rate of 20 to 30 percent after a payment is missed; in other cases a fixed charge is levied without change to the interest rate. In some cases universal default may apply: the high default rate is applied to a card in good standing by missing a payment on an unrelated account from the same provider. This can lead to a snowball effect in which the consumer is drowned by unexpectedly high interest rates. Further, most card holder agreements enable the issuer to arbitrarily raise the interest rate for any reason they see fit. First Premier Bank at one point offered a credit card with a 79.9% interest rate, however they pulled the plug on this card in February of 2011 because of persistant defaults.

Inflated pricing for all consumers

Merchants that accept credit cards must pay interchange fees and discount fees on all credit-card transactions. In some cases merchants are barred by their credit agreements from passing these fees directly to credit card customers, or from setting a minimum transaction amount (no longer prohibited in the United States). The result is that merchants may charge all customers (including those who do not use credit cards) higher prices to cover the fees on credit card transactions. In the United States in 2008 credit card companies collected a total of $48 billion in interchange fees, or an average of $427 per family, with an average fee rate of about 2% per transaction.

Grace period

A credit card's grace period is the time the customer has to pay the balance before interest is assessed on the outstanding balance. Grace periods may vary, but usually range from 20 to 50 days depending on the type of credit card and the issuing bank. Some policies allow for reinstatement after certain conditions are met.

Usually, if a customer is late paying the balance, finance charges will be calculated and the grace period does not apply. Finance charges incurred depend on the grace period and balance; with most credit cards there is no grace period if there is any outstanding balance from the previous billing cycle or statement (i.e. interest is applied on both the previous balance and new transactions). However, there are some credit cards that will only apply finance charge on the previous or old balance, excluding new transactions.

Benefits to merchants

For merchants, a credit card transaction is often more secure than other forms of payment, such as cheques, because the issuing bank commits to pay the merchant the moment the transaction is authorized, regardless of whether the consumer defaults on the credit card payment (except for legitimate disputes, which are discussed below, and can result in charges back to the merchant). In most cases, cards are even more secure than cash, because they discourage theft by the merchant's employees and reduce the amount of cash on the premises.

Prior to credit cards, each merchant had to evaluate each customer's credit history before extending credit. That task is now performed by the banks which assume the credit risk. Credit cards can also aid in securing a sale, especially if the customer does not have enough cash on his or her person or checking account. Extra turnover is generated by the fact that the customer can purchase goods and/or services immediately and is less inhibited by the amount of cash in his or her pocket and the immediate state of his or her bank balance. Much of merchants' marketing is based on this immediacy.

For each purchase, the bank charges the merchant a commission (discount fee) for this service and there may be a certain delay before the agreed payment is received by the merchant. The commission is often a percentage of the transaction amount, plus a fixed fee (interchange rate). In addition, a merchant may be penalized or have their ability to receive payment using that credit card restricted if there are too many cancellations or reversals of charges as a result of disputes. Some small merchants require credit purchases to have a minimum amount to compensate for the transaction costs.

In some countries, for example the Nordic countries, banks guarantee payment on stolen cards only if an ID card is checked and the ID card number/civic registration number is written down on the receipt together with the signature. In these countries merchants therefore usually ask for ID. Non-Nordic citizens, who are unlikely to possess a Nordic ID card or driving license, will instead have to show their passport, and the passport number will be written down on the receipt, sometimes together with other information. Some shops use the card's PIN for identification, and in that case showing an ID card is not necessary.

Costs to merchants

Merchants are charged several fees for the privilege of accepting credit cards. The merchant is usually charged a commission of around 1 to 3 percent of the value of each transaction paid for by credit card. The merchant may also pay a variable charge, called an interchange rate, for each transaction. In some instances of very low-value transactions, use of credit cards will significantly reduce the profit margin or cause the merchant to lose money on the transaction. Merchants must accept these transactions as part of their costs to retain the right to accept credit card transactions. Merchants with very low average transaction prices or very high average transaction prices are more averse to accepting credit cards. In some cases merchants may charge users a "credit card supplement", either a fixed amount or a percentage, for payment by credit card. This practice is prohibited by the credit card contracts in the United States, although the contracts allow the merchants to give discounts for cash payment.

Parties involved

Cardholder: The holder of the card used to make a purchase; the consumer.

Card-issuing bank: The financial institution or other organization that issued the credit card to the cardholder. This bank bills the consumer for repayment and bears the risk that the card is used fraudulently. American Express and Discover were previously the only card-issuing banks for their respective brands, but as of 2007, this is no longer the case. Cards issued by banks to cardholders in a different country are known as offshore credit cards.

Merchant: The individual or business accepting credit card payments for products or services sold to the cardholder.

Acquiring bank: The financial institution accepting payment for the products or services on behalf of the merchant.

Independent sales organization: Resellers (to merchants) of the services of the acquiring bank.

Merchant account: This could refer to the acquiring bank or the independent sales organization, but in general is the organization that the merchant deals with.

Credit Card association: An association of card-issuing banks such as Discover, Visa, MasterCard, American Express, etc. that set transaction terms for merchants, card-issuing banks, and acquiring banks.

Transaction network: The system that implements the mechanics of the electronic transactions. May be operated by an independent company, and one company may operate multiple networks.

Affinity partner: Some institutions lend their names to an issuer to attract customers that have a strong relationship with that institution, and get paid a fee or a percentage of the balance for each card issued using their name. Examples of typical affinity partners are sports teams, universities, charities, professional organizations, and major retailers.

The flow of information and money between these parties — always through the card associations — is known as the interchange, and it consists of a few steps.

Transaction steps

Authorization: The cardholder presents the card as payment to the merchant and the merchant submits the transaction to the acquirer (acquiring bank). The acquirer verifies the credit card number, the transaction type and the amount with the issuer (Card-issuing bank) and reserves that amount of the cardholder's credit limit for the merchant. An authorization will generate an approval code, which the merchant stores with the transaction.

Batching: Authorized transactions are stored in "batches", which are sent to the acquirer. Batches are typically submitted once per day at the end of the business day. If a transaction is not submitted in the batch, the authorization will stay valid for a period determined by the issuer, after which the held amount will be returned to the cardholder's available credit (see authorization hold). Some transactions may be submitted in the batch without prior authorizations; these are either transactions falling under the merchant's floor limit or ones where the authorization was unsuccessful but the merchant still attempts to force the transaction through. (Such may be the case when the cardholder is not present but owes the merchant additional money, such as extending a hotel stay or car rental.)

Clearing and Settlement: The acquirer sends the batch transactions through the credit card association, which debits the issuers for payment and credits the acquirer. Essentially, the issuer pays the acquirer for the transaction.

Funding: Once the acquirer has been paid, the acquirer pays the merchant. The merchant receives the amount totaling the funds in the batch minus either the "discount rate," "mid-qualified rate", or "non-qualified rate" which are tiers of fees the merchant pays the acquirer for processing the transactions.

Chargebacks: A chargeback is an event in which money in a merchant account is held due to a dispute relating to the transaction. Chargebacks are typically initiated by the cardholder. In the event of a chargeback, the issuer returns the transaction to the acquirer for resolution. The acquirer then forwards the chargeback to the merchant, who must either accept the chargeback or contest it.

Secured credit cards

A secured credit card is a type of credit card secured by a deposit account owned by the cardholder. Typically, the cardholder must deposit between 100% and 200% of the total amount of credit desired. Thus if the cardholder puts down $1000, they will be given credit in the range of $500–$1000. In some cases, credit card issuers will offer incentives even on their secured card portfolios. In these cases, the deposit required may be significantly less than the required credit limit, and can be as low as 10% of the desired credit limit. This deposit is held in a special savings account. Credit card issuers offer this because they have noticed that delinquencies were notably reduced when the customer perceives something to lose if the balance is not repaid.

The cardholder of a secured credit card is still expected to make regular payments, as with a regular credit card, but should they default on a payment, the card issuer has the option of recovering the cost of the purchases paid to the merchants out of the deposit. The advantage of the secured card for an individual with negative or no credit history is that most companies report regularly to the major credit bureaus. This allows for building of positive credit history.

Although the deposit is in the hands of the credit card issuer as security in the event of default by the consumer, the deposit will not be debited simply for missing one or two payments. Usually the deposit is only used as an offset when the account is closed, either at the request of the customer or due to severe delinquency (150 to 180 days). This means that an account which is less than 150 days delinquent will continue to accrue interest and fees, and could result in a balance which is much higher than the actual credit limit on the card. In these cases the total debt may far exceed the original deposit and the cardholder not only forfeits their deposit but is left with an additional debt.

Most of these conditions are usually described in a cardholder agreement which the cardholder signs when their account is opened.

Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. They are often offered as a means of rebuilding one's credit. Fees and service charges for secured credit cards often exceed those charged for ordinary non-secured credit cards, however, for people in certain situations, (for example, after charging off on other credit cards, or people with a long history of delinquency on various forms of debt), secured cards are almost always more expensive then unsecured credit cards.

Sometimes a credit card will be secured by the equity in the borrower's home.

Prepaid "credit" cards

A prepaid credit card is not a true credit card, since no credit is offered by the card issuer: the card-holder spends money which has been "stored" via a prior deposit by the card-holder or someone else, such as a parent or employer. However, it carries a credit-card brand (such as Discover, Visa, MasterCard, American Express, or JCB etc.) and can be used in similar ways just as though it were a regular credit card. Unlike debit cards, prepaid credit cards generally do not require a PIN. An exception are prepaid credit cards with an EMV chip. These cards do require a PIN if the payment is processed via Chip and PIN technology.

After purchasing the card, the cardholder loads the account with any amount of money, up to the predetermined card limit and then uses the card to make purchases the same way as a typical credit card. Prepaid cards can be issued to minors (above 13) since there is no credit line involved. The main advantage over secured credit cards (see above section) is that you are not required to come up with $500 or more to open an account. With prepaid credit cards purchasers are not charged any interest but are often charged a purchasing fee plus monthly fees after an arbitrary time period. Many other fees also usually apply to a prepaid card.

Prepaid credit cards are sometimes marketed to teenagers for shopping online without having their parents complete the transaction.

Because of the many fees that apply to obtaining and using credit-card-branded prepaid cards, the Financial Consumer Agency of Canada describes them as "an expensive way to spend your own money". The agency publishes a booklet entitled ''Pre-paid Cards'' which explains the advantages and disadvantages of this type of prepaid card.

Features

As well as convenient, accessible credit, credit cards offer consumers an easy way to track expenses, which is necessary for both monitoring personal expenditures and the tracking of work-related expenses for taxation and reimbursement purposes. Credit cards are accepted worldwide, and are available with a large variety of credit limits, repayment arrangement, and other perks (such as rewards schemes in which points earned by purchasing goods with the card can be redeemed for further goods and services or credit card cashback).

Some countries, such as the United States, the United Kingdom, and France, limit the amount for which a consumer can be held liable due to fraudulent transactions as a result of a consumer's credit card being lost or stolen.

Security problems and solutions

Credit card security relies on the physical security of the plastic card as well as the privacy of the credit card number. Therefore, whenever a person other than the card owner has access to the card or its number, security is potentially compromised. Once, merchants would often accept credit card numbers without additional verification for mail order purchases. It's now common practice to only ship to confirmed addresses as a security measure to minimise fraudulent purchases. Some merchants will accept a credit card number for in-store purchases, whereupon access to the number allows easy fraud, but many require the card itself to be present, and require a signature. A lost or stolen card can be cancelled, and if this is done quickly, will greatly limit the fraud that can take place in this way. European banks can require a cardholder's security PIN be entered for in-person purchases with the card.

The PCI DSS is the security standard issued by The PCI SSC (Payment Card Industry Security Standards Council). This data security standard is used by acquiring banks to impose cardholder data security measures upon their merchants.

The goal of the credit card companies is not to eliminate fraud, but to "reduce it to manageable levels". This implies that high-cost low-return fraud prevention measures will not be used if their cost exceeds the potential gains from fraud reduction - as would be expected from organisations whose goal is profit maximisation.

Internet fraud may be by claiming a chargeback which is not justified ("friendly fraud"), or carried out by the use of credit card information which can be stolen in many ways, the simplest being copying information from retailers, either online or offline. Despite efforts to improve security for remote purchases using credit cards, security breaches are usually the result of poor practice by merchants. For example, a website that safely uses SSL to encrypt card data from a client may then email the data, unencrypted, from the webserver to the merchant; or the merchant may store unencrypted details in a way that allows them to be accessed over the Internet or by a rogue employee; unencrypted card details are always a security risk. Even encryption data may be cracked.

Controlled Payment Numbers which are used by various banks such as Citibank (Virtual Account Numbers), Discover (Secure Online Account Numbers, Bank of America (Shop Safe), 5 banks using eCarte Bleue and CMB's Virtualis in France, and Swedbank of Sweden's eKort product are another option for protecting against credit card fraud. These are generally one-time use numbers that front one's actual account (debit/credit) number, and are generated as one shops on-line. They can be valid for a relatively short time, for the actual amount of the purchase, or for a price limit set by the user. Their use can be limited to one merchant. If the number given to the merchant is compromised, it will be rejected if an attempt is made to use it again.

A similar system of controls can be used on physical cards. Technology provides the option for banks to support many other controls too that can be turned on and off and varied by the credit card owner in real time as circumstances change (i.e., they can change temporal, numerical, geographical and many other parameters on their primary and subsidiary cards). Apart from the obvious benefits of such controls: from a security perspective this means that a customer can have a Chip and PIN card secured for the real world, and limited for use in the home country. In this eventuality a thief stealing the details will be prevented from using these overseas in non chip and pin (EMV) countries. Similarly the real card can be restricted from use on-line so that stolen details will be declined if this tried. Then when card users shop online they can use virtual account numbers. In both circumstances an alert system can be built in notifying a user that a fraudulent attempt has been made which breaches their parameters, and can provide data on this in real time. This is the optimal method of security for credit cards, as it provides very high levels of security, control and awareness in the real and virtual world.

Additionally, there are security features present on the physical card itself in order to prevent counterfeiting. For example, most modern credit cards have a watermark that will fluoresce under ultraviolet light. A Visa card has a letter V superimposed over the regular Visa logo and a Mastercard has the letters MC across the front of the card. Older Visa cards have a bald eagle or dove across the front. In the aforementioned cases, the security features are only visible under ultraviolet light and are invisible in normal light.

The Federal Bureau of Investigation and U.S. Postal Inspection Service are responsible for prosecuting criminals who engage in credit card fraud in the United States, but they do not have the resources to pursue all criminals. In general, federal officials only prosecute cases exceeding US$5,000. Three improvements to card security have been introduced to the more common credit card networks but none has proven to help reduce credit card fraud so far. First, the on-line verification system used by merchants is being enhanced to require a 4 digit Personal Identification Number (PIN) known only to the card holder. Second, the cards themselves are being replaced with similar-looking tamper-resistant smart cards which are intended to make forgery more difficult. The majority of smart card (IC card) based credit cards comply with the EMV (Europay MasterCard Visa) standard. Third, an additional 3 or 4 digit Card Security Code (CSC) is now present on the back of most cards, for use in card not present transactions. Stakeholders at all levels in electronic payment have recognized the need to develop consistent global standards for security that account for and integrate both current and emerging security technologies. They have begun to address these needs through organizations such as PCI DSS and the Secure POS Vendor Alliance.

Code 10

Code 10 calls are made when merchants are suspicious about accepting a credit card.

The operator then asks the merchant a series of YES or NO questions to find out whether the merchant is suspicious of the card or the cardholder. The merchant may be asked to retain the card if it is safe to do so.

Credit history

The way credit card owners pay off their balances has a tremendous effect on their credit history. Two of the most important factors reported to a credit bureau are the timeliness of the debt payments and the amount of debt to credit limit. Lenders want to see payments made as agreed, usually on a monthly basis, and a credit balance of around one-third the credit limit. The credit information stays on the credit report generally for 7 years. However, there are a few jurisdictions and situations where the timeframe might differ.

Profits and losses

In recent times, credit card portfolios have been very profitable for banks, largely due to the booming economy of the late nineties. However, in the case of credit cards, such high returns go hand in hand with risk, since the business is essentially one of making unsecured (uncollateralized) loans, and thus dependent on borrowers not to default in large numbers.

Costs

Credit card issuers (banks) have several types of costs:

Interest expenses

Banks generally borrow the money they then lend to their customers. As they receive very low-interest loans from other firms, they may borrow as much as their customers require, while lending their capital to other borrowers at higher rates. If the card issuer charges 15% on money lent to users, and it costs 5% to borrow the money to lend, and the balance sits with the cardholder for a year, the issuer earns 10% on the loan. This 10% difference is the "net interest spread" and the 5% is the "interest expense".

Operating costs

This is the cost of running the credit card portfolio, including everything from paying the executives who run the company to printing the plastics, to mailing the statements, to running the computers that keep track of every cardholder's balance, to taking the many phone calls which cardholders place to their issuer, to protecting the customers from fraud rings. Depending on the issuer, marketing programs are also a significant portion of expenses.

Charge offs

When a consumer becomes severely delinquent on a debt (often at the point of six months without payment), the creditor may declare the debt to be a charge-off. It will then be listed as such on the debtor's credit bureau reports (Equifax, for instance, lists "R9" in the "status" column to denote a charge-off.)

A charge-off is considered to be "written off as uncollectable." To banks, bad debts and even fraud are simply part of the cost of doing business.

However, the debt is still legally valid, and the creditor can attempt to collect the full amount for the time periods permitted under state law, which is usually 3 to 7 years. This includes contacts from internal collections staff, or more likely, an outside collection agency. If the amount is large (generally over $1500–$2000), there is the possibility of a lawsuit or arbitration.

Rewards

Many credit card customers receive rewards, such as frequent flyer points, gift certificates, or cash back as an incentive to use the card. Rewards are generally tied to purchasing an item or service on the card, which may or may not include balance transfers, cash advances, or other special uses. Depending on the type of card, rewards will generally cost the issuer between 0.25% and 2.0% of the spread. Networks such as Visa or MasterCard have increased their fees to allow issuers to fund their rewards system. Some issuers discourage redemption by forcing the cardholder to call customer service for rewards. On their servicing website, redeeming awards is usually a feature that is very well hidden by the issuers. With a fractured and competitive environment, rewards points cut dramatically into an issuer's bottom line, and rewards points and related incentives must be carefully managed to ensure a profitable portfolio. Unlike unused gift cards, in whose case the breakage in certain US states goes to the state's treasury, unredeemed credit card points are retained by the issuer.

Fraud

In relative numbers the values lost in bank card fraud are minor, calculated in 2006 at 7 cents per 100 dollars worth of transactions (7 basis points). In 2004, in the UK, the cost of fraud was over £500 million. When a card is stolen, or an unauthorized duplicate made, most card issuers will refund some or all of the charges that the customer has received for things they did not buy. These refunds will, in some cases, be at the expense of the merchant, especially in mail order cases where the merchant cannot claim sight of the card. In several countries, merchants will lose the money if no ID card was asked for, therefore merchants usually require ID card in these countries. Credit card companies generally guarantee the merchant will be paid on legitimate transactions regardless of whether the consumer pays their credit card bill. Most banking services have their own credit card services that handle fraud cases and monitor for any possible attempt at fraud. Employees that are specialized in doing fraud monitoring and investigation are often placed in Risk Management, Fraud and Authorization, or Cards and Unsecured Business. Fraud monitoring emphasizes minimizing fraud losses while making an attempt to track down those responsible and contain the situation. Credit card fraud is a major white collar crime that has been around for many decades, even with the advent of the chip based card (EMV) that was put into practice in some countries to prevent cases such as these. Even with the implementation of such measures, credit card fraud continues to be a problem.

Promotion

Promotional purchase is any purchase on which separate terms and conditions are set on each individual transaction unlike a standard purchase where the terms are set on the cardholder’s account record and their pricing strategy. All promotional purchases that post to a particular account will be carrying its own balance called as Promotional Balance.

Revenues

Offsetting the costs are the following revenues:

Interchange fee

In addition to fees paid by the card holder, merchants must also pay interchange fees to the card-issuing bank and the card association. For a typical credit card issuer, interchange fee revenues may represent about a quarter of total revenues.

These fees are typically from 1 to 6 percent of each sale, but will vary not only from merchant to merchant (large merchants can negotiate lower rates), but also from card to card, with business cards and rewards cards generally costing the merchants more to process. The interchange fee that applies to a particular transaction is also affected by many other variables including: the type of merchant, the merchant's total card sales volume, the merchant's average transaction amount, whether the cards were physically present, how the information required for the transaction was received, the specific type of card, when the transaction was settled, and the authorized and settled transaction amounts. In some cases, merchants add a surcharge to the credit cards to cover the interchange fee, encouraging their customers to instead use cash, debit cards, or even cheques.

Interest on outstanding balances

Interest charges vary widely from card issuer to card issuer. Often, there are "teaser" rates in effect for initial periods of time (as low as zero percent for, say, six months), whereas regular rates can be as high as 40 percent. In the U.S. there is no federal limit on the interest or late fees credit card issuers can charge; the interest rates are set by the states, with some states such as South Dakota, having no ceiling on interest rates and fees, inviting some banks to establish their credit card operations there. Other states, for example Delaware, have very weak usury laws. The teaser rate no longer applies if the customer doesn't pay their bills on time, and is replaced by a penalty interest rate (for example, 23.99%) that applies retroactively.

Fees charged to customers

The major fees are for:

Late payments or overdue payments

Charges that result in exceeding the credit limit on the card (whether done deliberately or by mistake), called overlimit fees

Returned cheque fees or payment processing fees (e.g. phone payment fee)

Cash advances and convenience cheques (often 3% of the amount)

Transactions in a foreign currency (as much as 3% of the amount). A few financial institutions do not charge a fee for this.

Membership fees (annual or monthly), sometimes a percentage of the credit limit.

Exchange rate loading fees (sometimes these might not be reported on the customer's statement, even when applied). The variation of exchange rates applied by different credit cards can be very substantial, as much as 10% according to a Lonely Planet report in 2009.

Over limit charges

Consumers who keep their account in good order by always staying within their credit limit, and always making at least the minimum monthly payment will see interest as the biggest expense from their card provider. Those who are not so careful and regularly surpass their credit limit or are late in making payments are exposed to multiple charges that were typically as high as £25 - £35 until a ruling from the Office of Fair Trading that they would presume charges over £12 to be unfair which led the majority of card providers to reduce their fees to exactly that level.

US

The Credit CARD Protection Act of 2009, that was signed into law by President Obama, requires that consumers "opt-in" to over-limit charges. Some card issuers have therefore commenced solicitations requesting customers to opt in to overlimit fees, presenting this as a benefit as it may avoid the possibility of a future transaction being declined. Other issuers have simply discontinued the practice of charging overlimit fees. Whether a customer opts in to the overlimit fee or not, banks will in practice have discretion as to whether they choose to authorize transactions above the credit limit or not. Of course, any approved over limit transactions will only result in an overlimit fee for those customers who have opted in to the fee. This legislation took effect on February 22, 2010.

UK

The higher level of fees originally charged were claimed to be designed to recoup the costs of the card operator's overall business and to ensure that the credit card business as a whole generated a profit, rather than simply recovering the cost to the provider of the limit breach which has been estimated as typically between £3-£4. Profiting from a customer's mistakes is arguably not permitted under UK common law, if the charges constitute penalties for breach of contract, or under the Unfair Terms In Consumer Regulations 1999.

Subsequent rulings in respect of personal current accounts suggest that the argument that these charges are penalties for breach of contract is weak, and given the OFT's ruling it seems unlikely that any further test case will take place.

Whilst the law remains in the balance, many consumers have made claims against their credit cards providers for the charges that they have incurred, plus interest that they would have earned had the money not been deducted from their account. It is likely that claims for amounts charged in excess of £12 will succeed, but claims for charges at the OFT's £12 threshold level are more contentious.

Neutral consumer resources

Canada

The Government of Canada maintains a database of the fees, features, interest rates and reward programs of nearly 200 credit cards available in Canada. This database is updated on a quarterly basis with information supplied by the credit card issuing companies. Information in the database is published every quarter on the website of the Financial Consumer Agency of Canada (FCAC).

Information in the database is published in two formats. It is available in PDF comparison tables that break down the information according to type of credit card, allowing the reader to compare the features of, for example, all the student credit cards in the database.

The database also feeds into an interactive tool on the FCAC website. The interactive tool uses several interview-type questions to build a profile of the user's credit card usage habits and needs, eliminating unsuitable choices based on the profile, so that the user is presented with a small number of credit cards and the ability to carry out detailed comparisons of features, reward programs, interest rates, etc.

Controversy

Credit card debt has increased steadily. Since the late 1990s, lawmakers, consumer advocacy groups, college officials and other higher education affiliates have become increasingly concerned about the rising use of credit cards among college students. The major credit card companies have been accused of targeting a younger audience, in particular college students, many of whom are already in debt with college tuition fees and college loans and who typically are less experienced at managing their own finances. Credit card debt may also negatively affect their grades as they are likely to work more both part and full time positions.

Another controversial area is the universal default feature of many North American credit card contracts. When a cardholder is late paying a particular credit card issuer, that card's interest rate can be raised, often considerably. With universal default, a customer's ''other'' credit cards, for which the customer may be current on payments, may ''also'' have their rates and/or credit limit changed. The universal default feature allows creditors to periodically check cardholders' credit portfolios to view trade, allowing these other institutions to decrease the credit limit and/or increase rates on cardholders who may be late with another credit card issuer. Being late on one credit card will potentially affect all the cardholder's credit cards. Citibank voluntarily stopped this practice in March 2007 and Chase stopped the practice in November 2007. The fact that credit card companies can change the interest rate on debts that were incurred when a different rate of interest was in place is similar to adjustable rate mortgages where interest rates on current debt may rise. However, in both cases this is agreed to in advance, and is a trade off that allows a lower initial rate as well as the possibility of an even lower rate (mortgages, if interest rates fall) or perpetually keeping a below-market rate (credit cards, if the user makes their debt payments on time). It should be noted that the Universal Default practice was actually ''encouraged'' by Federal Regulators, particularly those at the Office of the Comptroller of the Currency (OCC) as a means of managing the changing risk profiles of cardholders.

Another controversial area is the trailing interest issue. Trailing interest is the practice of charging interest on the entire bill no matter what percentage of it is paid. U.S Senator Carl Levin raised the issue of millions of Americans affected by hidden fees, compounding interest and cryptic terms. Their woes were heard in a Senate Permanent Subcommittee on Investigations hearing which was chaired by Senator Levin, who said that he intends to keep the spotlight on credit card companies and that legislative action may be necessary to purge the industry. In 2009, the C.A.R.D. Act was signed into law, enacting protections for many of the issues Levin had raised.

In the United States, some have called for Congress to enact additional regulations on the industry; to expand the disclosure box clearly disclosing rate hikes, use plain language, incorporate balance payoff disclosures, and also to outlaw universal default. At a congress hearing around March 1, 2007, Citibank announced it would no longer practice this, effective immediately. Opponents of such regulation argue that customers must become more proactive and self-responsible in evaluating and negotiating terms with credit providers. Some of the nation's influential top credit card issuers, who are among the top fifty corporate contributors to political campaigns, successfully opposed it.

Hidden costs

In the United Kingdom, merchants won the right through The Credit Cards (Price Discrimination) Order 1990 to charge customers different prices according to the payment method. As of 2007, the United Kingdom was one of the world's most credit-card-intensive countries, with 2.4 credit cards per consumer, according to the UK Payments Administration Ltd.

In the United States until 1984, federal law prohibited surcharges on card transactions. Although the federal Truth in Lending Act provisions that prohibited surcharges expired that year, a number of states have since enacted laws that continue to outlaw the practice; California, Colorado, Connecticut, Florida, Kansas, Massachusetts, Maine, New York, Oklahoma, and Texas have laws against surcharges. As of 2006, the United States probably had one of the world's highest if not the top ratio of credit cards per capita, with 984 million bank-issued Visa and MasterCard credit card and debit card accounts alone for an adult population of roughly 220 million people. The credit card per US capita ratio was nearly 4:1 as of 2003 and as high as 5:1 as of 2006.

Credit card numbering

The numbers found on credit cards have a certain amount of internal structure, and share a common numbering scheme.

The card number's ''prefix'', called the Bank Identification Number, is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs. This is the first six digits for MasterCard and Visa cards. The next nine digits are the individual account number, and the final digit is a validity check code.

In addition to the main credit card number, credit cards also carry issue and expiration dates (given to the nearest month), as well as extra codes such as issue numbers and security codes. Not all credit cards have the same sets of extra codes nor do they use the same number of digits.

Credit cards in ATMs

Many credit cards can also be used in an ATM to withdraw money against the credit limit extended to the card, but many card issuers charge interest on cash advances before they do so on purchases. The interest on cash advances is commonly charged from the date the withdrawal is made, rather than the monthly billing date. Many card issuers levy a commission for cash withdrawals, even if the ATM belongs to the same bank as the card issuer. Merchants do not offer cashback on credit card transactions because they would pay a percentage commission of the additional cash amount to their bank or merchant services provider, thereby making it uneconomical.

Many credit card companies will also, when applying payments to a card, do so at the end of a billing cycle, and apply those payments to everything before cash advances. For this reason, many consumers have large cash balances, which have no grace period and incur interest at a rate that is (usually) higher than the purchase rate, and will carry those balance for years, even if they pay off their statement balance each month.

Credit cards as funding for entrepreneurs

Credit cards are a risky way for entrepreneurs to acquire capital for their start ups when more conventional financing is unavailable. It's widely reported that Len Bosack and Sandy Lerner used personal credit cards to start Cisco Systems. It is rumoured that Larry Page and Sergey Brin's start up of Google was financed by credit cards to buy the necessary computers and office equipment, more specifically "a terabyte of hard disks". Similarly, filmmaker Robert Townsend financed part of ''Hollywood Shuffle'' using credit cards. Director Kevin Smith funded ''Clerks'' in part by maxing out several credit cards. Actor Richard Hatch also financed his production of ''Battlestar Galactica: The Second Coming'' partly through his credit cards. Famed hedge fund manager Bruce Kovner began his career (and, later on, his firm Caxton Associates) in financial markets by borrowing from his credit card. UK entrepreneur James Caan (as seen on Dragon's Den) financed his first business using several credit cards.

See also

|- |

Accountable Fundraising

Bank card number

Credit card associations

* American Express

* Diners Club

* Discover Card

* Japan Credit Bureau

* MasterCard

* Visa

|

Credit card fraud

Credit card hijacking

Credit history

Credit rating agency

Credit reference agency

Compulsive shopping

Dynamic currency conversion, or DCC

Electronic money

Fair Credit Reporting Act

|

Identity theft

Interchange fee

International Card Manufacturers Association

Merchant account

Point of sale

Reimbursement

Revolving account

Stoozing

Stored-value card

|}

References

External links

Choosing A Credit Card: The Deal is in the Disclosures – Consumer credit card advice from the Federal Trade Commission

Avoiding Credit and Charge Card Fraud – More advice from the Federal Trade Commission

Category:American inventions Category:1950 introductions

ar:بطاقة ائتمان az:Kredit kartı bn:ক্রেডিট কার্ড bg:Кредитна карта ca:Targeta de crèdit cs:Kreditní karta da:Kreditkortbetaling de:Kreditkarte es:Tarjeta de crédito eo:Kreditkarto fa:کارت اعتباری fr:Carte de crédit ko:신용카드 hi:क्रेडिट कार्ड hr:Kreditna kartica id:Kartu kredit is:Kreditkort it:Carta di credito he:כרטיס אשראי kn:ಕ್ರೆಡಿಟ್ ಕಾರ್ಡುಗಳು ka:საკრედიტო ბარათი lt:Kredito kortelė hu:Hitelkártya ml:ക്രെഡിറ്റ് കാർഡ് nl:Creditcard ja:クレジットカード no:Kredittkort nn:Betalingskort pl:Karta kredytowa pt:Cartão de crédito ro:Card de credit ru:Кредитная карта sq:Karta e Kreditit si:ක්‍රෙඩිට් කාඩ්පත simple:Credit card sk:Kreditná karta sl:Kreditna kartica sr:Кредитна картица fi:Luottokortti sv:Kreditkort ta:கடன் அட்டை te:క్రెడిట్ కార్డు th:บัตรเครดิต tr:Kredi kartı uk:Кредитна картка vi:Thẻ tín dụng yi:קרעדיט קארטל zh:信用卡

The following is an episode list for the 1990s animated television series based on the superhero Batman and associated comic book characters published by DC Comics. ''Batman: The Animated Series'' is an American television series, which originally ran on the Fox Network from 1992 to 1995. It was later shown in re-runs on Cartoon Network, Toon Disney, and Disney XD. Each episode is approximately 22 minutes long, excluding commercials.

''The New Batman Adventures'', although utilizing different character designs and animation style, is a continuation of ''Batman: The Animated Series'', and ran on The WB Network from 1997 to 1999. There are a total of 109 episodes from both series, along with multiple crossover episodes from ''Superman: The Animated Series'' and ''Static Shock''. Both series have been released on DVD boxsets in four volumes.

The series are part of what has become known as the DC Animated Universe, which consists of eight animated television shows and four animated films, largely surrounding DC Comics characters and their respective mythos. This includes ''Superman: The Animated Series'', ''Batman Beyond'', ''Static Shock'', ''The Zeta Project'', ''Justice League'', and ''Justice League Unlimited.''

''Batman: The Animated Series''

The episodes are listed here in their production order, rather than their original airdate order. The official Warner Bros. production numbers for this series begin with 406-5xx, where "xx" is the episode number from 1-85. Thus, "On Leather Wings" is production number 406-501. Due to character introductions and pacing, by airdate is the preferred viewing order by many.

Season One

#

Title

Villain(s)

Director

Writer

Airdate

Season Two

Because of the success the show was enjoying, while the 65 episodes of the first season were still airing, the Fox Network executives ordered a second season of 20 more episodes. The second season featured Robin more prominently and was titled ''The Adventures of Batman & Robin''.

The network reduced the series to airing only weekly, Saturday mornings. Once fifteen of the twenty episodes had premiered (five were held back until the following September), the weekday slot was restored to repeats of the entire run, with the first season's episodes given the second season's title, ''The Adventures of Batman & Robin'', for all remaining Fox showings and a few VHS releases.

These episodes and the last nine of the first season were released in the correct production order as part of the ''Batman: The Animated Series'' Volume Three DVD boxset.

#

Title

Villain(s)

Director

Writer

Airdate

''The New Batman Adventures''

Three years after the second season of ''Batman: The Animated Series'' was produced, the show was moved from the Fox Network to The WB Network, which was airing and producing ''Superman: The Animated Series''. These shows were merged as part of an hour segment called ''The New Batman/Superman Adventures''. The WB Network wanted more episodes of ''Batman: The Animated Series'', so 24 new episodes were produced, which featured a different format and more focus on Batman's supporting cast.

In addition to the network's demands, the producers decided to make the show match ''Superman: The Animated Series''' graphic style, so all the characters and objects were redesigned as ''"animation friendly"'' with fewer lines, usually referred to by the fans and creative staff as the "revamp" (or alternately, the "new look"). A similar graphic style was used in the rest of the DCAU later on.

The DVD boxset of the series is labeled ''Batman: The Animated Series'' - Volume Four (from ''The New Batman Adventures''), most likely to establish its connection with the original series.

#

Title

Villain(s)

Director

Writer

Airdate

Feature films

Title	Movie No.	Director	Writer	Released

Crossovers

''Superman: The Animated Series''

Before ''The New Batman Adventures'' started airing alongside ''Superman: The Animated Series'', a 3-part story had The Joker and Lex Luthor team up against Batman and Superman. This was later released on home video as ''The Batman/Superman Movie'' and adapted into a comic book. The commentary of ''The Batman/Superman Movie'' stated that the feature was intended to "kick off" the new Batman episodes, thus taking place before the first episode of ''The New Batman Adventures.'' Following Batman-related episodes were individual stories titled "Knight Time" and "The Demon Reborn."

#	Title	Director	Writer	Airdate

''Static Shock''

In parallel with their appearances in ''Justice League'', Batman, and some of his supporting cast and villains also appeared in five episodes of ''Static Shock''. While these episodes were actually made during the same time ''Justice League'' and were being produced, in the subjective chronology of the DCAU three of these episodes fall during ''The New Batman Adventures'' era, while the 2-part episode "A League of Their Own," takes place during the ''Justice League'' years.

#	Title	Director	Writer	Airdate

References

* Category:Lists of DC animated universe episodes Episodes * Category:Lists of crime television series episodes

bg:Списък с епизоди на Батман: Анимационният сериал es:Anexo:Episodios de Batman: La Serie Animada fr:Liste des épisodes de Batman, la série animée hu:A Batman: A rajzfilmsorozat epizódjainak listája nl:Lijst van afleveringen van Batman pl:Lista odcinków serialu animowanego Batman (1992-1999) ro:Lista episoadelor animate cu Batman ru:Список эпизодов мультсериала Бэтмен (1992)

name	For Real
background	group_or_band
genre	R&B, Pop, Dance
years active	1993–1999
label	Arista RecordsA&M Records, Rowdy Records
past members	Wendi WilliamsLatanyia BaldwinJosina Elder Necia Bray
notable instruments	}}

For Real was an American R&B and soul quartet, that formed in 1993. In the latter part of that decade they were nominated for a Grammy, Billboard Music Award, and Soul Train Music Award.

Biography

For Real secured their recording contract by accident. "We were picking up our manager from the airport. So we decided to greet him with an acappella song. Someone from A&M records just happened to be in the airport and heard them perform. Not long after, they were signed," said Latanyia Baldwin.

The band released their debut album, ''It's a Natural Thang'', with production from Brian McKnight on A&M Records in 1994, and it became a critical success, including a rare four stars from Rolling Stone Magazine. Their first single, "You Don't Wanna Miss" hit #28 on the ''Billboard'' chart, courtesy of a danceable new jack swing remix by Steve "Silk" Hurley, which was featured in the song's video. A second single, "Easy To Love," peaked at #65 on the Billboard Hot 100 chart. The album scored another chart hit with the a cappella love song, "You Don't Know Nothin'," which was written and produced by Mervyn Warren, and which peaked at #27. The song peaked at #54 in the UK Singles Chart in July 1995. The album sold over one million copies worldwide, and peaked at #80 on the Billboard 200.

In 1995, the band appeared in Italian ''Vogue'', modeling mens suits. They toured alongside Stevie Wonder, and lent their voices to the Martin Scorsese film project ''Grace of My Heart.'' The foursome also forayed into acting with appearances in the film ''Shake, Rattle and Rock!'' starring Renée Zellweger and Howie Mandel on ''Showtime''.

They also hit the US Top 20 with the single "Freedom (Theme from Panther)" featuring Aaliyah, TLC, En Vogue, BlackGirl, SWV, and Vanessa Williams from the movie ''Panther''. They also recorded a duet with Stevie Wonder called "Stubborn Kind Of Fellow", which appeared on the Marvin Gaye tribute album, ''Inner City Blues: The Music Of Marvin Gaye.'' For Real also recorded songs for the soundtracks of the films ''Waiting to Exhale'' and ''Fled'' respectively.

After a label change from A&M to Dallas Austin's Arista imprint Rowdy Records in 1996, For Real struck again with the Austin-produced, 60s-leaning single "Like I Do," from their second album ''Free''. "Like I Do" hit #10 on the Billboard singles chart, the video also earned a Billboard nomination for Best R&B Clip, the album made the Top 100, and nearly 400,000 copies in the US, the album's next and last single was the Diane Warren-penned pop ballad "The Saddest Song I Ever Heard" which hit #65 on the Top 100 singles chart. The band performed "Saddest Song" on the TV show All That. ''Free'' included production from top R&B/pop producers like Babyface, Mario Winans, and Jon B.

The band also recorded three songs ("I Do", "Born to Love That Boy" and "Unwanted Number") and appeared in the critically acclaimed film ''Grace of My Heart''. The films soundstrack won a Satellite Award in 1997.

In January 1997, the band won an American Music Award for their work on the ''Waiting to Exhale'' soundtrack, in Summer 1997, the group earned a Soul Train Award nomination for Album Of The Year (By A Group, Band Or Duo) for "Free".

In 1999, Wendi Williams lent her voice to the Oscar nominated film ''Introducing Dorothy Dandridge'', with Halle Berry, in which Berry plays a singer but Williams is behind her singing voice.

In 2002, their song "Love Will Be Waiting At Home", appeared in the movie, ''Two Can Play That Game'', that starred Vivica A. Fox and Morris Chestnut.

In 2009, CoryLavel began to work with Josina Elder on her new album.

Discography

''It's a Natural Thang'' (1994)

''Free'' (1996)

Awards and nominations

Year	Result	Award	Category	Work
	Nominated	Grammy Award	Album of the Year	Waiting to Exhale
	Nominated	Billboard Music Award	Best Clip - R&B	"Like I Do"
	Nominated	Soul Train Music Award	Album of the Year (By a Group, Band or Duo)	''Free''

References

External links

SingingFool.com Streaming music videos for "Like I Do" and "The Saddest Song I Ever Heard"

Allmusic Discography, biographies, and pictures

IUMA Group photos, lyrics, message board, audio streams, and bio.

Google Album info, photos, and lyrics

Category:American pop music groups Category:American rhythm and blues musical groups Category:African American musical groups Category:Girl groups Category:American soul musical groups Category:Musical groups established in 1992 Category:Musical groups disestablished in 1999

name	Kobe Bryant
width	233px
position	Shooting guard
height ft	6
height in	6
weight lb	205
team	Los Angeles Lakers
number	24
birth date	August 23, 1978
birth place	Philadelphia, Pennsylvania
nationality	American
high school	Lower Merion HS, Ardmore, Pennsylvania
draft year	1996
draft round	1
draft pick	13
draft team	Charlotte Hornets
career start	1996
years1	–present
team1	Los Angeles Lakers
highlights	5× NBA Champion (2000, 2001, 2002, 2009, 2010) 2× NBA Finals MVP (2009–2010) NBA Most Valuable Player () 13× NBA All-Star (1998, 2000–2011) 2× NBA scoring champion (–) 9× All-NBA First Team (–, –) 2× All-NBA Second Team (–) 2× All-NBA Third Team (, ) 9× All-Defensive First Team (, –, –) 2× All-Defensive Second Team (–) NBA All-Rookie Second Team () 4× NBA All-Star Game MVP (2002, 2007, 2009, 2011) NBA Slam Dunk Contest champion (1997) Naismith Prep Player of the Year (1996)
medaltemplates	}}

Kobe Bean Bryant (born August 23, 1978) is an American professional basketball player who plays shooting guard for the Los Angeles Lakers of the National Basketball Association (NBA). Bryant enjoyed a successful high school basketball career at Lower Merion High School, where he was recognized as the top high school basketball player in the country. He decided to declare his eligibility for the NBA Draft upon graduation, and was selected with the 13th overall pick in the 1996 NBA Draft by the Charlotte Hornets, then traded to the Los Angeles Lakers. As a rookie, Bryant earned himself a reputation as a high-flyer and a fan favorite by winning the 1997 Slam Dunk Contest.

Bryant and Shaquille O'Neal led the Lakers to three consecutive NBA championships from 2000 to 2002. A heated feud between the duo and a loss in the 2004 NBA Finals was followed by O'Neal's trade from the Lakers after the 2003–04 season. In 2003, Bryant was accused of sexual assault after having sex with a hotel employee in Colorado. In September 2004, prosecutors dropped the case after his accuser refused to testify, and Bryant had to rebuild his image while becoming the cornerstone of the Lakers franchise. He led the NBA in scoring during the 2005–06 and 2006–07 seasons, setting numerous scoring records in the process. In 2006, Bryant scored a career-high 81 points against the Toronto Raptors, the second most points scored in a single game in NBA history, second only to Wilt Chamberlain's 100 point performance in 1962. In the 2007–08 season, he was awarded the regular season's Most Valuable Player Award (MVP). After losing in the 2008 NBA Finals, Bryant led the Lakers to two consecutive championships in 2009 and 2010 and was named NBA Finals MVP on both occasions.

, Bryant ranks third and sixth on the league's all-time post-season scoring and all-time regular season scoring lists, respectively. He is also the all-time leading scorer in Lakers franchise history. Since his second year in the league, Bryant has started in every NBA All-Star Game that has been held with thirteen All-Star appearances, winning the All-Star MVP Award four times (2002, 2007, 2009, and 2011). Bryant is tied for the most All Star MVP Awards in NBA History. He is a thirteen-time member of the All-NBA team and eleven-time All-Defensive team, and is the youngest player ever to receive defensive honors. At the 2008 Olympics, he won a gold medal as a member of the USA national team. In 2009, Sporting News and TNT named Bryant the NBA player of the 2000s decade.

Early years

Childhood and youth

Kobe Bryant was born in Philadelphia, Pennsylvania as the youngest of three children and the only son of former Philadelphia 76ers player and former Los Angeles Sparks head coach Joe "Jellybean" Bryant and Pamela Cox Bryant. He is also the maternal nephew of John "Chubby" Cox. His parents named him after the famous beef of Kobe, Japan, which they saw on a restaurant menu. Bryant was raised Roman Catholic. When Bryant was six, his father left the NBA and moved his family to Italy to continue playing professional basketball. Bryant became accustomed to his new lifestyle and learned to speak Italian and Spanish fluently. During summers, Bryant would come back to the United States to play in a basketball summer league. He started playing basketball when he was 3 years old, and his favorite team growing up was the Lakers. Bryant's grandfather would mail him videos of NBA games, which Bryant would study. At an early age he also learned to play soccer; his favorite team is AC Milan. He has said that if he had stayed in Italy, he would have tried to become a professional soccer player; Bryant is a big fan of former FC Barcelona manager Frank Rijkaard and their former player Ronaldinho. Upon Joe Bryant's retirement from playing basketball in 1991, the Bryant family moved back to the United States.

High school

Bryant earned national recognition during a spectacular high school career at Lower Merion High School located in the Philadelphia suburb of Lower Merion. As a freshman, he played for the varsity basketball team. His father coached him his second year of high school. Although during his first year the team was mediocre, the following three years the Aces compiled a 77–13 record, with Bryant playing all five positions. At Adidas ABCD camp, Bryant earned the 1995 senior MVP award, while playing alongside future NBA teammate Lamar Odom. While in high school, then 76ers coach John Lucas invited Bryant to work out and scrimmage with the team, where he played one-on-one with Jerry Stackhouse. In his senior year of high school, Bryant led the Aces to their first state championship in 53 years. During the run, he averaged 30.8 points, 12 rebounds, 6.5 assists, 4.0 steals, and 3.8 blocked shots in leading the Aces to a 31–3 record. He ended his career as Southeastern Pennsylvania's all-time leading scorer at 2,883 points, surpassing both Wilt Chamberlain and Lionel Simmons. Bryant received several awards for his performance his senior year including being named Naismith High School Player of the Year, Gatorade Men's National Basketball Player of the Year, a McDonald's All-American, and a ''USA Today'' All-USA First Team player. Bryant's varsity coach, Greg Downer, commented that Bryant was "a complete player who dominates". In 1996, Bryant took R&B singer Brandy Norwood to her senior prom, though the two were, and remain, just friends. His SAT score of 1080 would have ensured his basketball scholarship to various top-tier colleges. Ultimately, however, the 17-year-old Bryant made the decision to go directly into the NBA, only the sixth player in NBA history to do so. Bryant's news was met with a lot of publicity at a time when prep-to-pro NBA players were not very common (Kevin Garnett being the only exception in 20 years). Bryant has stated that had he decided to go to college after high school, he would have attended Duke University.

NBA career

1996 NBA Draft

The first guard to ever be taken out of high school, Bryant was chosen as the 13th overall draft pick by the Charlotte Hornets in 1996. According to Arn Tellem, Bryant's agent at the time, Bryant playing for the Charlotte Hornets was "an impossibility". However, Bill Branch, the Hornets' head scout at the time, said that the Hornets agreed to trade their draft selection to the Lakers before picking Bryant. The teams agreed to the trade the day before the draft and the Lakers did not tell the Hornets who to select until five minutes before the pick was made. Branch said that prior to the trade agreement, the Hornets never even considered drafting Bryant. Prior to the draft, Bryant had worked out in Los Angeles, in which he scrimmaged against former Lakers players Larry Drew and Michael Cooper, and according to then-Laker manager Jerry West "marched over these people". On July 1, 1996, West traded his starting center, Vlade Divac, to the Hornets in exchange for Bryant's draft rights. Since he was still 17 at the time of the draft, his parents had to cosign his contract with the Lakers until he was able to sign his own when he turned 18 before the season began.

First three seasons (1996–99)

During his rookie season, Bryant mostly came off the bench behind guards Eddie Jones and Nick Van Exel. At the time he became the youngest player ever to play in an NBA game (a record since broken by Jermaine O'Neal and Andrew Bynum), and also became the youngest NBA starter ever. Initially, Bryant played limited minutes, but as the season continued, he began to see some more playing time. By the end of the season, he averaged 15.5 minutes a game. During the All-Star weekend, Bryant was the winner of the 1997 Slam Dunk Contest, becoming the youngest player to be named the slam dunk champion at the age of 18. Bryant's performance throughout the year earned him a spot on the NBA All Rookie second team with fellow bench teammate Travis Knight. His final minutes of the season ended in disaster when he shot 4 air balls at crucial times in the game. He first missed a jumper to win the game in the 4th quarter and 3 three-pointers in overtime (2 of which would have tied the game in the final minute). With that the Utah Jazz ended the playoffs for the Lakers in the second round. Shaquille O'Neal commented years later that "[Bryant] was the only guy who had the guts at the time to take shots like that."

In Bryant's second season, he received more playing time and began to show more of his abilities as a talented young guard. As a result Bryant's point averages more than doubled from 7.6 to 15.4 points per game. Bryant would see an increase in minutes when the Lakers "played small", which would feature Bryant playing small forward along side the guards he'd usually back up. Bryant was the runner-up for the NBA's Sixth Man of the Year Award, and through fan voting, he also became the youngest NBA All-Star starter in NBA history. He was joined by fellow teammates Shaquille O'Neal, Nick Van Exel, and Eddie Jones, making it the first time since 1983 that four players on the same team were selected to play in the same All-Star Game. Bryant's 15.4 points per game was the highest of any non-starter in the season.

The 1998–99 season marked Bryant's emergence as a premiere guard in the league. With starting guards Nick Van Exel and Eddie Jones traded, Bryant started every game for the lockout-shortened 50 game season. During the season, Bryant signed a 6-year contract extension worth $70 million. This kept him with the Lakers until the end of the 2003–04 season. Even at an early stage of his career sportswriters were comparing his skills to that of Michael Jordan and Magic Johnson. The playoff results, however, were no better, as the Lakers were swept by the San Antonio Spurs in the Western Conference semi-finals.

Three-peat (1999–2002)

Bryant's fortunes would soon change when Phil Jackson became coach for the Los Angeles Lakers in 1999. After years of steady improvement, Bryant became one of the premier shooting guards in the league, earning appearances in the league's All-NBA, All-Star, and All-Defensive teams. The Los Angeles Lakers became true championship contenders under Bryant and Shaquille O'Neal, who formed a legendary center-guard combination. Jackson utilized the triangle offense he used to win six championships with the Chicago Bulls, which would help both Bryant and O'Neal rise to the elite class of the NBA. The three resulting championships won consecutively in 2000, 2001, and 2002 further proved such a fact.

Bryant started the 1999–2000 season sidelined for six weeks due to an injury to his hand in a preseason game against the Washington Wizards. With Bryant back and playing over 38 minutes a game, he saw an increase in all statistical categories in the 1999–2000 season. This included leading the team in assists per game and steals per game. The duo of O'Neal and Bryant backed with a strong bench led to the Lakers winning 67 games, tied for fifth-most in NBA history. This followed with O'Neal winning the MVP and Bryant being named to the All-NBA Team Second Team and All-NBA Defensive Team for the first time in his career (the youngest player ever to receive defensive honors). While playing second fiddle to O'Neal in the playoffs, Bryant had some clutch performances including a 25 point, 11 rebound, 7 assist, 4 block game in game 7 of the Western Conference finals against the Portland Trail Blazers. He also threw an alley-oop pass to O'Neal to clinch the game and the series. In the 2000 NBA Finals against the Indiana Pacers, Bryant injured his ankle in the second quarter of game 2 and missed the rest of the game and game 3. In game 4, Bryant scored 22 points in the second half, and led the team to an overtime victory as O'Neal fouled out of the game. Bryant scored the winning shot to put the Lakers ahead 120–118. With a game 6 victory, the Lakers won their first championship since 1988.

Statistically, the 2000–01 season saw Bryant perform similarly to the previous year except Bryant was averaging 6 more points a game (28.5). It was also the year when disagreements between Bryant and O'Neal began to surface. Once again he led the team in assists with 5 per game. The Lakers however, only won 56 games, an 11 game drop off from last year. The Lakers would respond by going 15–1 in the playoffs. They easily swept the Portland Trail Blazers, Sacramento Kings, and San Antonio Spurs, before losing their first game against the Philadelphia 76ers in overtime. They would go on to win the next 4 games and bring their second championship to Los Angeles in as many seasons. During the playoffs Bryant played heavy minutes which brought his stats up to 29.4 points, 7.3 rebounds, and 6.1 assists per game. In the playoffs teammate O'Neal declared Bryant the best player in the league. Bryant ended up making the All NBA Second team and All NBA Defensive Team for the second year in a row. In addition, he was also voted to start in the NBA All-Star Game for the 3rd year in a row (no game in 1999).

In the 2001–02 season, Bryant played 80 games for the first time in his career. He continued his all-round play by averaging 25.2 points, 5.5 rebounds, and 5.5 assists per game. He also had a career high 46.9% shooting and once again led his team in assists. While making the All-Star team and All-NBA Defensive team again, he was also promoted to the All-NBA First Team for the first time in his career. The Lakers won 58 games that year and finished second place in the Pacific Division behind in-state rival Sacramento Kings. Bryant was suspended one game after he punched Reggie Miller of the Indiana Pacers after the Lakers' March 1, 2002 victory over the Pacers.

The road to the Finals would prove a lot tougher than the record run the Lakers had the previous year. While the Lakers swept the Trail Blazers and defeated the Spurs 4–1, the Lakers did not have home court advantage against the Sacramento Kings. The series would stretch to 7 games, the first time this happened to the Lakers since the Western Conference Finals in the 2000 NBA Playoffs. However, the Lakers were able to beat their division rivals and make their third consecutive NBA Finals appearance. In the 2002 Finals, Bryant averaged 26.8 points, 51.4% shooting, 5.8 rebounds, 5.3 assists per game, which included scoring a quarter of the teams points. At age 23, Bryant became the youngest player to win three championships. Bryant's play was notable and praised for his performance in the 4th quarter of games, specifically the last 2 rounds of the playoffs. This cemented Bryant's reputation as a clutch player.

Coming up short (2002–04)

In the 2002–03 season, Bryant averaged 30 points per game and embarked on a historic run, posting 40 or more points in nine consecutive games while averaging 40.6 in the entire month of February. In addition, he averaged 6.9 rebounds, 5.9 assists, and 2.2 steals per game, all career highs up to that point. Bryant was once again voted on to both the All-NBA and All-Defensive 1st teams, and came in third place in voting for the MVP award. After finishing 50–32 in the regular season, the Lakers foundered in the playoffs and lost in the Western Conference semi-finals to the eventual NBA champions San Antonio Spurs in six games.

In the following 2003–04 season, the Lakers were able to acquire NBA All-Stars Karl Malone, and Gary Payton to make another push at the NBA Championship. Before the season began, Bryant was arrested for sexual assault. This caused Bryant to miss some games due to court appearances or attend court earlier in the day and travel to play games later in same day. In the final game of the regular season the Lakers played the Portland Trail Blazers. Bryant made two buzzer beaters to win the game and the Pacific Division title. At the end of the fourth quarter, Bryant made a three-pointer as time ran out to tie the game and send it into over time. The game eventually went to a second over time and Bryant made another three pointer as time expired to lift the Lakers past the Trail Blazers 105–104.

With a starting lineup of four future Hall of Famers, O'Neal, Malone, Payton, and Bryant, the Lakers were able to reach the NBA Finals. In the Finals, they were defeated in five games by the Detroit Pistons, who won their first championship since 1990. In that series, Bryant averaged 22.6 points per game and 4.4 assists. He shot a mere 35.1% from the field. Phil Jackson's contract as coach was not renewed, and Rudy Tomjanovich took over. Shaquille O'Neal was traded to the Miami Heat for Lamar Odom, Caron Butler, and Brian Grant. The following day, Bryant declined an offer to sign with the Los Angeles Clippers and re-signed with the Lakers on a seven-year contract.

Playoffs disappointments (2004–07)

Bryant was closely scrutinized and criticized during the 2004–05 season with his reputation badly damaged from all that had happened over the previous year. A particularly damaging salvo came when Phil Jackson wrote ''The Last Season: A Team in Search of Its Soul''. The book detailed the events of the Lakers' tumultuous 2003–04 season and has a number of criticisms of Bryant. In the book Jackson called Bryant "uncoachable". Midway through the season, Rudy Tomjanovich suddenly resigned as Lakers coach, citing the recurrence of health problems and exhaustion. Without Tomjanovich, stewardship of the remainder of the Lakers' season fell to career assistant coach Frank Hamblen. Despite the fact that Bryant was the league's second leading scorer at 27.6 points per game, the Lakers floundered and missed the playoffs for the first time in over a decade. The year signified a drop in Bryant's overall status in the NBA, as he did not make the NBA All-Defensive Team and was also demoted to the All-NBA Third Team. During the season, Bryant also engaged in public feuds with Ray Allen and Karl Malone.

The 2005–06 NBA season would mark a crossroads in Bryant's basketball career. Despite past differences with Bryant, Phil Jackson returned to coach the Lakers. Bryant endorsed the move, and by all appearances, the two men worked together well the second time around, leading the Lakers back into the playoffs. Bryant's individual scoring accomplishments posted resulted in the finest statistical season of his career. On December 20, 2005, Bryant scored 62 points in three quarters against the Dallas Mavericks. Entering the fourth quarter, Bryant had outscored the entire Mavericks team 62–61, the only time a player has done this through three quarters since the advent of the 24-second shot clock. When the Lakers faced the Miami Heat on January 16, 2006, Bryant and Shaquille O'Neal made headlines by engaging in handshakes and hugs before the game, signifying a change in the feud that had festered between the two players. A month later, at the 2006 NBA All-Star Game, the two were seen laughing together.

On January 22, 2006, Bryant scored a career-high 81 points in a victory against the Toronto Raptors. In addition to breaking the previous franchise record of 71 set by Elgin Baylor, Bryant's 81-point game was the second highest point total in NBA history, surpassed only by Wilt Chamberlain's 100-point game in 1962. In that same month, Bryant also became the first player since 1964 to score 45 points or more in four consecutive games, joining Chamberlain and Baylor as the only players ever to do so. For the month of January, Bryant averaged 43.4 points per game, the eighth highest single month scoring average in NBA history and highest for any player other than Chamberlain. By the end of the 2005–06 season, Bryant set Lakers single-season franchise records for most 40-point games (27) and most points scored (2,832). He won the league's scoring title for the first time, posting a scoring average of (35.4). Bryant finished in fourth place in the voting for the 2006 NBA Most Valuable Player Award, but received 22 first place votes—second only to winner Steve Nash. The Los Angeles Lakers posted a 45–37 record, an eleven-game improvement over the previous season, and the entire squad seemed to be clicking.

Later in the season, it was reported that Bryant would change his jersey number from 8 to 24 at the start of the 2006–07 NBA season. Bryant's first high school number was 24 before he switched to 33. After the Lakers' season ended, Bryant said on TNT that he wanted 24 as a rookie, but it was unavailable, as was 33, retired with Kareem Abdul-Jabbar. Bryant wore 143 at the Adidas ABCD camp, and chose 8 by adding those numbers. In the first round of the playoffs, the Lakers played well enough to reach a 3–1 series lead over the Phoenix Suns, culminating with Bryant's OT-forcing and game-winning shots in Game 4. They came within six seconds of eliminating the second-seeded Suns in Game 6, however, they lost that game 126 to 118 in overtime. Despite Bryant's 27.9 points per game in the series, the Lakers broke down, and ultimately fell to the Suns in seven games. Bryant received criticism for only taking three shots in the second half of the 90–121 loss to Phoenix in Game 7. In the 2006 off-season, Bryant had knee surgery, preventing him from participating in the 2006 FIBA World Championship tournament.

During the 2006–07 season, Bryant was selected to his 9th All-Star Game appearance, and on February 18, he logged 31 points, 6 assists, and 6 steals, earning his second career All-Star Game MVP trophy. Over the course of the season, Bryant became involved in a number of on court incidents. On January 28 while attempting to draw contact on a potential game winning jumpshot, he flailed his arm striking San Antonio Spurs guard Manu Ginóbili in the face with his elbow. Following a league review, Bryant was suspended for the subsequent game at Madison Square Garden against the New York Knicks. The basis given for the suspension was that Bryant had performed an "unnatural motion" in swinging his arm backwards. Later, on March 6, he seemed to repeat the motion, this time striking Minnesota Timberwolves guard Marko Jarić. On March 7, the NBA handed Bryant his second one-game suspension. In his first game back on March 9, he elbowed Kyle Korver in the face which was retroactively re-classified as a Type 1 flagrant foul.

On March 16, Bryant scored a season-high 65 points in a home game against the Portland Trail Blazers, which helped end the Lakers 7-game losing streak. This was the second best scoring performance of his 11-year career. The following game, Bryant recorded 50 points against the Minnesota Timberwolves, after which he scored 60 points in a road win against the Memphis Grizzlies—becoming the second Laker to score three straight 50-plus point games, a feat not seen since Michael Jordan last did it in 1987. The only other Laker to do so was Elgin Baylor, who also scored 50+ in three consecutive contests in December 1962. In the following day, in a game against the New Orleans Hornets, Bryant scored 50 points, making him the second player in NBA history to have 4 straight 50 point games behind Wilt Chamberlain, who is the all-time leader with seven consecutive 50 point games twice. Bryant finished the year with a total of ten 50-plus point games, becoming the only player beside Wilt Chamberlain in 1961–62 and 1962–63 to do so in one season. He also won his second straight scoring title that season. Throughout the 2006–07 season, Bryant's jersey became the top selling NBA jersey in the United States and China. A number of journalists have attributed the improved sales to Bryant's new number, as well as his continuing All-Star performance on the court. In the 2007 NBA Playoffs, the Lakers were once again eliminated in the first round by the Phoenix Suns, 4–1.

MVP year (2007–08)

On May 27, 2007, ESPN reported that Bryant stated that he wanted to be traded if Jerry West did not return to the team with full authority. Bryant later confirmed his desire for West's return to the franchise, but denied stating that he would want to be traded if that does not occur. However, three days later, on Stephen A. Smith's radio program, Bryant expressed anger over a Lakers "insider" who claimed that Bryant was responsible for Shaquille O'Neal's departure from the team, and publicly stated, "I want to be traded." Three hours after making that statement, Bryant stated in another interview that after having a conversation with head coach Phil Jackson, he has reconsidered his decision and backed off his trade request. Bryant would later be shown on an infamous amateur video saying that center Andrew Bynum should have been traded for All-Star Jason Kidd.

On December 23, 2007, Bryant became the youngest player (29 years, 122 days) to reach 20,000 points, in a game against the New York Knicks, in Madison Square Garden. Despite an injury to his shooting hand's small finger, described as "a complete tear of the radial collateral ligament, an avulsion fracture, and a volar plate injury at the MCP joint" that occurred in a game on February 5, 2008, Bryant played all 82 games of the regular season instead of opting for surgery. Regarding his injury, he stated, "I would prefer to delay any surgical procedure until after our Lakers season, and this summer's Olympic Games. But, this is an injury that and the Lakers' medical staff will just have to continue to monitor on a day-to-day basis." In early September 2008, Bryant decided not to have surgery to repair the injury.

Leading his team to a West best 57–25 record, they swept the Nuggets in the first round and on May 6, 2008, Bryant was officially announced as the NBA Most Valuable Player award, his first for his career. He said, "It's been a long ride. I'm very proud to represent this organization, to represent this city." Jerry West, who was responsible for bringing Bryant to the Lakers, was on hand at the press conference to observe Bryant receive his MVP trophy from NBA commissioner David Stern. He stated, "Kobe deserved it. He's had just another great season. Doesn't surprise me one bit." In addition to winning his MVP award, Bryant was the only unanimous selection to the All-NBA team on May 8, 2008 for the third straight season and sixth time in his career. He would then headline the NBA All-Defensive First Team with Kevin Garnett, receiving 52 points overall including 24 first-place nods, earning his eighth selection.

The Lakers concluded the 2007–08 regular season with a 57–25 record, finishing first in the Western Conference and setting up themselves for a first-round contest against the Nuggets. In Game 1, Bryant, who said he made himself a decoy through most of the game, scored 18 of his 32 points in the final 8 minutes to keep Los Angeles safely ahead. That made Denver the first 50-win team to be swept out of the first round of the playoffs since the Memphis Grizzlies fell in four to the San Antonio Spurs in 2004. In the first game of the next round against the Jazz, Bryant scored 38 points as the Lakers beat the Jazz in Game 1. The Lakers won the next game as well, but dropped Games 3 and 4, even with Bryant putting up 33.5 points per game. The Lakers then won the next two games to win the semifinals in 6. This set up a Western Conference Finals berth against the San Antonio Spurs. The Lakers defeated the Spurs in 5 games, sending themselves to the NBA Finals against the Boston Celtics. This marked the fifth time in Bryant's career and the first time without Shaquille O'Neal to go to the NBA Finals. The Lakers then lost to the Boston Celtics in 6 games.

Repeat (2008–10)

In the 2008–09 season, the Lakers opened the campaign by winning their first seven games. Bryant led the team to tie the franchise record for most wins to start the season going 17–2, and by the middle of December they compiled a 21–3 record. He was selected to his eleventh consecutive All-Star Game as a starter, and was named the Western Conference Player of the Month for December and January in addition to being named Western Conference Player of the week three times. In a game against the Knicks on February 2, 2009, Bryant scored 61 points, setting a record for the most points scored at Madison Square Garden. During the 2009 NBA All-Star Game, Bryant who tallied 27 points, 4 assists, 4 rebounds, and 4 steals was awarded All-Star Game co-MVP with former teammate Shaquille O'Neal. The Lakers finished the regular season with the best record in the west with a 65–17 record. Bryant was runner-up in the MVP voting behind LeBron James, and was selected to the All-NBA First Team and All-Defensive First Team for the seventh time in his career.

In the playoffs, the Lakers defeated the Utah Jazz in five games and the Houston Rockets in seven games in the opening two rounds. After finishing off the Denver Nuggets in the Conference Finals in six games, the Lakers earned their second straight trip to the NBA Finals where they defeated the Orlando Magic in five games. Bryant was awarded his first NBA Finals MVP trophy upon winning his fourth championship, achieving series averages: 32.4 points, 7.4 assists, 5.6 rebounds, 1.4 steals and 1.4 blocks. He became the first player since Jerry West in the 1969 NBA Finals to average at least 32.4 points and 7.4 assists for a finals series and the first since Michael Jordan to average 30 points, 5 rebounds and 5 assists for a title-winning team in the finals.

During the 2009–10 season, Bryant made six game-winning shots including a buzzer-beating, one-legged three point shot against the Miami Heat on December 4, 2009. Bryant considered the shot one of the luckiest he has made. A week later, Bryant suffered an avulsion fracture in his right index finger in a game against the Minnesota Timberwolves. Despite the injury, Bryant elected to continue playing with it, rather than take any time off to rest the injury. Five days after his finger injury, he made another game winning shot, after missing on an opportunity in regulation, this time against the Milwaukee Bucks in an overtime game. Bryant also became the youngest player (31 years, 151 days) to reach 25,000 points during the season, surpassing Wilt Chamberlain. He continued his dominant clutch plays making yet another game winning three-pointer against the Sacramento Kings, and what would be the game-winning field goal against the Boston Celtics. The following day, he surpassed Jerry West to become the all-time leading scorer in Lakers franchise history. After being sidelined for five games from an ankle injury, Bryant made his return and made another clutch three-pointer to give the Lakers a one point lead with four seconds remaining against the Memphis Grizzlies. Two weeks later, he made his sixth game-winning shot of the season against the Toronto Raptors.

On April 2, 2010, Bryant signed a three-year contract extension worth $87 million. Bryant finished the regular season missing four of the final five games, due to injuries to his knee and finger. Bryant suffered multiple injuries throughout the season and as a result, missed nine games. The Lakers began the playoffs as the number one seed in the Western Conference against the Oklahoma City Thunder, eventually defeating them in six games. The Lakers swept the Utah Jazz in the second round and advanced to the Western Conference Finals, where they faced Phoenix Suns. In Game 2, Bryant finished the game with 13 assists, setting a new playoff career high; it was the most assists by a Laker in the playoffs since Magic Johnson had 13 in 1996. The Lakers went on to win the series in six games capturing the Western Conference Championship and advancing to the NBA Finals for a third straight season. In a rematch against the 2008 Champion Boston Celtics, Bryant, despite shooting 6 for 24 from the field, led the Lakers back from a thirteen-point third quarter deficit in Game 7 to win the championship; he scored 10 of his game-high 23 points in the fourth quarter, and finished the game with 15 rebounds. Bryant won his fifth championship and earned his second consecutive NBA Finals MVP award. This marked the first time the Lakers won a Game 7 against the Boston Celtics in the NBA Finals. Bryant said that this was the most satisfying of all of his five championships.

2010–11 season

The Lakers started the 2010–11 season by winning their first eight games. In his ninth game of the season, playing against the Denver Nuggets, Bryant became the youngest player in NBA history to reach 26,000 career points. Bryant also recorded his first triple double since January 21, 2009. On January 30 against the Celtics, he become the youngest player to score 27,000 points. On February 1, 2011, Bryant became one of seven players with at least 25,000 points, 5,000 rebounds and 5,000 assists. In Boston on February 10, Bryant scored 20 of his 23 points in the second half as the Lakers rallied from an early 15-point deficit for a 92–86 win over the Celtics. It was the Lakers' first victory of the season against one of the league's top four teams, as they entered the game 0–5 in previous matchups and had been outscored by an average of 11 points. Bryant, selected to his 13th straight All-Star game after becoming the leading vote-getter, had 37 points, 14 rebounds, and three steals in the 2011 All-Star Game and won his fourth All-Star MVP, tying Hall of Famer Bob Pettit for the most All-Star MVP awards. During the season, Bryant moved from 12th to 6th place on the NBA all-time career scoring list, passing John Havlicek, Dominique Wilkins, Oscar Robertson, Hakeem Olajuwon, Elvin Hayes, and Moses Malone. Bryant finished the season averaging less than 20 shots a game, his fewest since the 2003–04 season.

On April 13, 2011, the NBA fined Bryant $100,000 for directing a gay slur at referee Bennie Adams in frustration in the previous day's game. The Gay & Lesbian Alliance Against Defamation praised the NBA's decision to fine Bryant, and the Human Rights Campaign said that Bryant's language was a "disgrace" and "distasteful". Bryant stated that he was open to discussing the matter with gay rights groups and wanted to appeal his fine. He later apologized for the use of the word. Bryant and other Lakers appeared in a Lakers public service announcement denouncing Bryant's behavior. The team's quest for another three-peat was ended when they were swept by the Dallas Mavericks in the second round of the playoffs. The Mavericks would go on to win the 2011 NBA Finals.

International career

Kobe Bryant declined to play in the 2000 Olympics due to getting married in the off-season. He also decided not to play in the 2002 FIBA World Championship. Bryant was originally selected for the FIBA Americas Championship 2003 but withdrew due to surgeries and was replaced by Vince Carter. In the following summer, he had to withdraw from the Olympic team because of his legal case. Along with LeBron James, he was one of the first two players to publicly named to the 2006–2008 U.S. preliminary roster in 2006 by Jerry Colangelo. However, he was once again sidelined after knee surgery and didn't participate in the 2006 FIBA World Championship.

Bryant's senior international career with the United States national team finally began in 2007. He was a member of the 2007 USA Men's Senior National Team and USA FIBA Americas Championship Team that finished 10–0, won gold and qualified the United States men for the 2008 Olympics. He started in all 10 of the USA's FIBA Americas Championship games. He finished third on the team for made and attempted free throws, ranked fourth for made field goals, made 3-pointers. Among all FIBA Americas Championship competitors, Bryant is ranked 15th in scoring, 14th in assists, and eighth in steals. Bryant scored double-digits in eight of the 10 games played. Bryant also made the game winning jumper above the foul line with seconds left in the game. He currently averages a .530 shooting percentage, with 16.3 points, 2.2 rebounds, and 3.1 assists.

As a part of his international expansion, he is also featured in a Chinese reality TV show, called the ''Kobe Mentu'' show, which documents Chinese basketball players on different teams going through drills, preparing to play each other while Bryant gives advice and words of encouragement to the players while they practice.

On June 23, 2008, he was named to the USA Men's Senior National Team for the 2008 Summer Olympics. This was his first time going to the Olympics. Bryant scored 20 points, including 13 in the fourth quarter, along with six assists, as Team USA defeated Spain 118–107 in the gold medal game of the 2008 Summer Olympics on August 24, 2008, for its first gold medal in a worldwide international competition since the 2000 Olympics. He averaged 15.0 points, 2.8 rebounds and 2.1 assists while shooting .462 from the field in eight Olympic contests.

Bryant has committed to playing for the national team at the 2012 Summer Olympics.

Player profile

Bryant is a shooting guard who is capable of playing the small forward position. He is considered one of the most complete players in the NBA, has been selected to every All-NBA Team since 1999, and has been featured in the last twelve NBA All-Star games. Sports writers and sports casters have frequently compared Bryant to Michael Jordan, a comparison Bryant dislikes. In 2007, an ESPN poll of sportswriters voted him as the second best shooting guard in NBA history behind Jordan.

He is a prolific scorer, averaging 25.3 points per game for his career, along with 5.3 rebounds, 4.7 assists, and 1.5 steals (as of the end of the 2010–2011 regular season). He is known for his ability to create shots for himself and is a standout three-point shooter, sharing the single-game NBA record for three pointers made with twelve. Bryant is often cited as one of the most prolific scorers in the NBA, though his 45.4% career field goal average is considered moderate. He utilizes his wide array of moves and shots to elude defenders and score from virtually anywhere on the floor. Some of Bryant's best moves are his turnaround jump shot, and his ability to post up his defenders and score with a fadeaway jumpshot. Chris Ballard, a ''Sports Illustrated'' NBA writer, describes a "jab step-and-pause" as a move Bryant uses where he jabs his non-pivot foot forward to let the defender relax and instead of bringing the jab foot back, he pushes off it and drive around his opponent to get to the basket.

Aside from his scoring ability, he has established himself as a standout defender, having made the All-Defensive first or second team eleven of the last twelve seasons. Bryant has also been noted being one of the premier clutch performers in the NBA. For nine consecutive seasons, Bryant has been selected by an NBA GM survey as the player they most want taking the shot with the game on the line. Both Sporting News and TNT named Bryant the NBA player of the 2000s decade.

NBA career statistics

	Led the league

Regular season

|- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 71 || 6 || 15.5 || .417 || .375 || .819 || 1.9 || 1.3 || .7 || .3 || 7.6 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 79 || 1 || 26.0 || .428 || .341 || .794 || 3.1 || 2.5 || .9 || .5 || 15.4 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 50 || 50 || 37.9 || .465 || .267 || .839 || 5.3 || 3.8 || 1.4 || 1.0 || 19.9 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 66 || 62 || 38.2 || .468 || .319 || .821 || 6.3 || 4.9 || 1.6 || .9 || 22.5 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 68 || 68 || 40.9 || .464 || .305 || .853 || 5.9 || 5.0 || 1.7 || .6 || 28.5 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 80 || 80 || 38.3 || .469 || .250 || .829 || 5.5 || 5.5 || 1.5 || .4 || 25.2 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 82 || 82 || 41.5 || .451 || .383 || .843 || 6.9 || 5.9 || 2.2 || .8 || 30.0 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 65 || 64 || 37.6 || .438 || .327 || .852 || 5.5 || 5.1 || 1.7 || .4 || 24.0 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 66 || 66 || 40.7 || .433 || .339 || .816 || 5.9 || 6.0 || 1.3 || .8 || 27.6 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 80 || 80 || 41.0 || .450 || .347 || .850 || 5.3 || 4.5 || 1.8 || .4 || style="background:#cfecec;"| 35.4 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 77 || 77 || 40.8 || .463 || .344 || .868 || 5.7 || 5.4 || 1.4 || .5 || style="background:#cfecec;"| 31.6 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 82 || 82 || 38.9 || .459 || .361 || .840 || 6.3 || 5.4 || 1.8 || .5 || 28.3 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 82 || 82 || 36.1 || .467 || .351 || .856 || 5.2 || 4.9 || 1.5 || .4 || 26.8 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 73 || 73 || 38.8 || .456 || .329 || .811 || 5.4 || 5.0 || 1.6 || .3 || 27.0 |- | style="text-align:left;"| | style="text-align:left;"| L.A. Lakers | 82 || 82 || 33.9 || .451 || .323 || .828 || 5.1 || 4.7 || 1.2 || .1 || 25.3 |- class="sortbottom" | style="text-align:left;"| Career | style="text-align:left;"| | 1103 || 955 || 36.4 || .454 || .339 || .837 || 5.3 || 4.7 || 1.5 || .6 || 25.3 |- class="sortbottom" | style="text-align:left;"| All-Star | style="text-align:left;"| | 12 || 12 || 27.3 || .507 || .345 || .808 || 5.3 || 4.5 || 2.8 || .3 || 20.3

Playoffs

|- | style="text-align:left;"| 1997 | style="text-align:left;"| L.A. Lakers | 9 || 0 || 14.8 || .382 || .261 || .867 || 1.2 || 1.2 || .3 || .2 || 8.2 |- | style="text-align:left;"| 1998 | style="text-align:left;"| L.A. Lakers | 11 || 0 || 20.0 || .408 || .214 || .689 || 1.9 || 1.5 || .3 || .7 || 8.7 |- | style="text-align:left;"| 1999 | style="text-align:left;"| L.A. Lakers | 8 || 8 || 39.4 || .430 || .348 || .800 || 6.9 || 4.6 || 1.9 || 1.2 || 19.8 |- | style="text-align:left;"| 2000 | style="text-align:left;"| L.A. Lakers | 22 || 22 || 39.0 || .442 || .344 || .754 || 4.5 || 4.4 || 1.5 || 1.5 || 21.1 |- | style="text-align:left;"| 2001 | style="text-align:left;"| L.A. Lakers | 16 || 16 || 43.4 || .469 || .324 || .821 || 7.3 || 6.1 || 1.6 || .8 || 29.4 |- | style="text-align:left;"| 2002 | style="text-align:left;"| L.A. Lakers | 19 || 19 || 43.8 || .434 || .379 || .759 || 5.8 || 4.6 || 1.4 || .9 || 26.6 |- | style="text-align:left;"| 2003 | style="text-align:left;"| L.A. Lakers | 12 || 12 || 44.3 || .432 || .403 || .827 || 5.1 || 5.2 || 1.2 || .1 || style="background:#cfecec;"| 32.1 |- | style="text-align:left;"| 2004 | style="text-align:left;"| L.A. Lakers | 22 || 22 || 44.2 || .413 || .247 || .813 || 4.7 || 5.5 || 1.9 || .3 || 24.5 |- | style="text-align:left;"| 2006 | style="text-align:left;"| L.A. Lakers | 7 || 7 || 44.9 || .497 || .400 || .771 || 6.3 || 5.1 || 1.1 || .4 || 27.9 |- | style="text-align:left;"| 2007 | style="text-align:left;"| L.A. Lakers | 5 || 5 || 43.0 || .462 || .357 || .919 || 5.2 || 4.4 || 1.0 || .4 || style="background:#cfecec;"| 32.8 |- | style="text-align:left;"| 2008 | style="text-align:left;"| L.A. Lakers | 21 || 21 || 41.1 || .479 || .302 || .809 || 5.7 || 5.6 || 1.7 || .4 || style="background:#cfecec;"| 30.1 |- | style="text-align:left;"| 2009 | style="text-align:left;"| L.A. Lakers | 23 || 23 || 40.8 || .457 || .349 || .883 || 5.3 || 5.5 || 1.7 || .9 || 30.2 |- | style="text-align:left;"| 2010 | style="text-align:left;"| L.A. Lakers | 23 || 23 || 40.1 || .458 || .374 || .842 || 6.0 || 5.5 || 1.4 || .7 || 29.2 |- | style="text-align:left;"| 2011 | style="text-align:left;"| L.A. Lakers | 10 || 10 || 35.4 || .446 || .293 || .820 || 3.4 || 3.3 || 1.6 || .3 || 22.8 |- class="sortbottom" | style="text-align:left;"| Career | style="text-align:left;"| | 208 || 188 || 39.3 || .448 || .335 || .815 || 5.1 || 4.8 || 1.4 || .7 || 25.4

Accomplishments and records

Bryant led the NBA in scoring during the and seasons. In 2006, Bryant scored a career-high 81 points against the Toronto Raptors, the second-highest number of points scored in a game in NBA history, behind only Wilt Chamberlain's 100 point performance. Bryant was awarded the regular season's Most Valuable Player Award (MVP) in the 2007–08 season and led his team to the 2008 NBA Finals as the first seed in the Western Conference. In the 2008 Summer Olympics, he won a gold medal as a member of the U.S. men's basketball team, occasionally referred to as "The Redeem Team". He led the Lakers to two more championships in 2009 and 2010, winning the Finals MVP award on both occasions.

Bryant has been selected to 13 All-NBA Team (nine times to the All-NBA First Team) and 11 All-Defensive Team (nine times to the All-Defensive First Team). He was selected to play in the NBA All-Star Game on 13 occasions, winning All-Star MVP Awards in 2002, 2007, 2009 and 2011 (he shared the 2009 award with Shaquille O'Neal). He also won the NBA Slam Dunk Contest in 1997. As of May 2011, he has had 5 sixty-point games, 24 fifty-point games, and 107 forty-point games.

Off the court

Personal life

In November 1999, 21-year-old Bryant met 17-year-old Vanessa Laine while she was working as a background dancer on the Tha Eastsidaz music video "G'd Up". Bryant was in the building working on his debut musical album, which was never released. The two began dating and became engaged just six months later in May 2000, while Laine was still a senior at Marina High School in Huntington Beach, California. To avoid media scrutiny, she finished high school through independent study. According to Vanessa's cousin Laila Laine, there was no prenuptial agreement. Vanessa said Bryant "''loved her too much for one''".

They married on April 18, 2001, at St. Edward Roman Catholic Church in Dana Point, California. Neither Bryant's parents, his two sisters, longtime advisor and agent Arn Tellem, nor Bryant's Laker teammates attended. Bryant's parents were opposed to the marriage for a number of reasons. Reportedly Bryant's parents had problems with him marrying so young, especially to a woman who was not African-American. This disagreement resulted in an estrangement period of over two years, which ended when Bryant had his first daughter.

In January 2002, Bryant bought a Mediterranean-style house for $4 million, located in a cul-de-sac in Newport Coast, Newport Beach. The Bryants' first child, a daughter named Natalia Diamante Bryant, was born on January 19, 2003. The birth of Natalia influenced Bryant to reconcile his differences with his parents. Vanessa Bryant suffered a miscarriage due to an ectopic pregnancy in the spring of 2005. Their second daughter, Gianna Maria-Onore Bryant, was born on May 1, 2006. Gianna was born six minutes ahead of former teammate Shaquille O'Neal's daughter Me'arah Sanaa, who was born in Florida. In an early 2007 interview, it was revealed that Bryant still speaks Italian fluently. Bryant assigned himself the nickname of "Black Mamba", citing a desire for his basketball skills to mimic the snake of that name's ability to "strike with 99% accuracy at maximum speed, in rapid succession."

Sexual assault allegation

In the summer of 2003, the sheriff's office of Eagle, Colorado arrested Bryant in connection with an investigation of a sexual assault complaint filed by 19-year old hotel employee Katelyn Faber. Bryant had checked into The Lodge and Spa at Cordillera in Eagle County in advance of undergoing knee surgery nearby. Faber accused Bryant of raping her in his hotel room the night before Bryant was to have the procedure. Bryant admitted an adulterous sexual encounter with his accuser, but denied her sexual assault allegation.

The accusation tarnished Bryant's reputation, as the public's perception of Bryant plummeted, and his endorsement contracts with McDonald's and Nutella were terminated. Sales for Bryant's replica jersey fell significantly from their previous highs. However, in September 2004, the assault case was dropped by prosecutors after Faber refused to testify in the trial. Afterward, Bryant agreed to apologize to Faber for the incident, including his public mea culpa: "Although I truly believe this encounter between us was consensual, I recognize now that she did not and does not view this incident the same way I did. After months of reviewing discovery, listening to her attorney, and even her testimony in person, I now understand how she feels that she did not consent to this encounter." Faber filed a separate civil lawsuit against Bryant, which the two sides ultimately settled with the specific terms of the settlement being undisclosed to the public.

Endorsements

Before starting the 1996–97 NBA season, Bryant signed a 6-year contract with Adidas worth approximately $48 million. His first signature shoe was the Equipment KB 8. Bryant's other earlier endorsements included deals with The Coca-Cola Company to endorse their Sprite soft drink, appearing in advertisements for McDonald's, promoting Spalding's new NBA Infusion Ball, Upper Deck, Italian chocolate company Ferrero SpA's brand Nutella, Russell Corporation, and appearing on his own series of video games by Nintendo. Many companies like McDonald's and Ferrero SpA terminated his contracts when rape allegations against him became public. A notable exception was Nike, Inc., who had signed him to a 5-year, $40–45 million contract just before the incident. However, they refused to use his image or market a new shoe of his for the year, but eventually did start promoting Bryant once his image recovered 2 years later. He has since resumed endorsement deals with The Coca-Cola Company, through their subsidiary Energy Brands to promote their Vitamin Water brand of drinks. Bryant was also the cover athlete for NBA '07: Featuring the Life Vol. 2 and appeared in commercials for the video games Guitar Hero World Tour (with Tony Hawk, Michael Phelps, and Alex Rodriguez) in 2008 and Call of Duty: Black Ops (alongside Jimmy Kimmel) in 2010.

In a 2008 video promoting Nike's Hyperdunk shoes, Bryant appears to jump over a speeding Aston Martin. The stunt was considered to be fake, and the Los Angeles Times said a real stunt would probably be a violation of Bryant's Lakers contract. After promoting Nike's Hyperdunk shoes, Bryant came out with the fourth edition of his signature line by Nike, the Zoom Kobe IV. In 2010 Nike launched another shoe, Nike Zoom Kobe V. In 2009, Bryant signed a deal with Nubeo to market the "Black Mamba collection", a line of sports/luxury watches that range from $25,000 to $285,000. On February 9, 2009, Bryant was featured on the cover of ESPN The Magazine. However, it was not for anything basketball related, rather it was about Bryant being a big fan of FC Barcelona. CNN estimated Bryant's endorsement deals in 2007 to be worth $16 million a year. In 2010, Bryant was ranked third behind Tiger Woods and Michael Jordan in ''Forbes'' list of the world's highest-paid athletes with $48 million.

On December 13, 2010, Bryant signed a two-year endorsement deal with Turkey's national airline, Turkish Airlines. The deal involved Bryant being in a promotional film to be aired in over 80 countries in addition to him being used in digital, print and billboard advertising.

Bryant has appeared as the cover athlete for the following video games: Kobe Bryant in NBA Courtside NBA Courtside 2: Featuring Kobe Bryant NBA Courtside 2002 NBA 3 On 3 Featuring Kobe Bryant NBA '07: Featuring the Life Vol. 2 NBA '09: The Inside

NBA 2K10

Music

In 2011, Bryant was featured in Taiwanese singer Jay Chou's single, "The Heaven and Earth Challenge" (天地一鬥, pronounced "Tian Di Yi Dou"). The proceeds for downloads of both the single and ringtones were donated to impoverished schools for basketball facilities and equipment. The music video of the single also features Bryant. The song was also used by Sprite in its 2011 marketing campaign in China.

Philanthropy

Bryant is the official ambassador for After-School All-Stars (ASAS), an American non-profit organization that provides comprehensive after-school programs to children in 13 US cities. Bryant also started the Kobe Bryant China Fund which partnered with the Soong Ching Ling Foundation, a charity backed by the Chinese government. The Kobe Bryant China Fund raises money within China earmarked for education and health programs. On November 4, 2010, Bryant appeared alongside Zach Braff at the Call of Duty: Black Ops launch event at the Santa Monica Airport, where they presented a $1 million check to the Call of Duty Endowment, an Activision-founded nonprofit organization that helps veterans transition to civilian careers after their military service has ended.

See also

Kobe Bryant (song)

Kobe Bryant – Shaquille O'Neal feud

Kobe Doin' Work

List of NBA players who have spent their entire career with one franchise

List of 40-plus point games by Kobe Bryant

List of National Basketball Association players with 1000 games played

List of National Basketball Association career scoring leaders

List of National Basketball Association career assists leaders

List of National Basketball Association career steals leaders

List of National Basketball Association career turnovers leaders

List of National Basketball Association career 3-point scoring leaders

List of National Basketball Association career free throw scoring leaders

List of National Basketball Association career playoff scoring leaders

List of National Basketball Association career playoff assists leaders

List of National Basketball Association career playoff steals leaders

List of National Basketball Association career playoff turnovers leaders

List of National Basketball Association career playoff 3-point scoring leaders

List of National Basketball Association career playoff free throw scoring leaders

List of National Basketball Association players with 50 or more points in a playoff game

List of NBA players with most championships

List of National Basketball Association players with most points in a game

List of National Basketball Association season scoring leaders

List of National Basketball Association top individual scoring season averages

References

External links

Official Site

NBA.com – The Ultimate Kobe Page

Kobe Bryant Video on ESPN Video Archive

Kobe Bryant Video on FoxSports Video Archive

Category:1978 births Category:African American basketball players Category:American basketball players Category:American expatriates in Italy Category:Basketball players at the 2008 Summer Olympics Category:Basketball players from Pennsylvania Category:Charlotte Hornets draft picks Category:Gatorade National Basketball Player of the Year Category:Living people Category:Los Angeles Lakers players Category:McDonald's High School All-Americans Category:National Basketball Association high school draftees Category:NBA Slam Dunk Contest champions Category:NBA Finals MVP Award winners Category:Olympic basketball players of the United States Category:Olympic gold medalists for the United States Category:Parade High School All-Americans (boys' basketball) Category:People from Newport Beach, California Category:Sportspeople from Philadelphia, Pennsylvania Category:Shooting guards Category:United States men's national basketball team members Category:Olympic medalists in basketball

ar:كوبي براينت bn:কোবি ব্রায়ান্ট zh-min-nan:Kobe Bryant bs:Kobe Bryant bg:Коби Брайънт ca:Kobe Bryant cs:Kobe Bryant da:Kobe Bryant de:Kobe Bryant et:Kobe Bryant el:Κόμπι Μπράιαντ es:Kobe Bryant eu:Kobe Bryant fa:کوبی برایانت fr:Kobe Bryant gl:Kobe Bryant ko:코비 브라이언트 hy:Կոբի Բրայանտ hi:कोबी ब्रायंट hr:Kobe Bryant id:Kobe Bryant is:Kobe Bryant it:Kobe Bryant he:קובי בראיינט jv:Kobe Bryant kn:ಕೋಬ್ ಬ್ರ್ಯಾಂಟ್ lv:Kobe Braients lt:Kobe Bryant hu:Kobe Bryant mk:Коби Брајант mr:कोबे ब्रायंट mn:Коби Брайант nl:Kobe Bryant ja:コービー・ブライアント no:Kobe Bryant pl:Kobe Bryant pt:Kobe Bryant ro:Kobe Bryant ru:Брайант, Коби simple:Kobe Bryant sk:Kobe Bryant sl:Kobe Bryant sr:Коби Брајант sh:Kobe Bryant fi:Kobe Bryant sv:Kobe Bryant tl:Kobe Bryant ta:கோபி பிரயன்ட் te:కోబీ బ్రయన్ th:โคบี ไบรอันต์ tr:Kobe Bryant uk:Кобі Браянт vec:Kobe Bryant vi:Kobe Bryant war:Kobe Bryant zh-yue:高比拜仁 zh:科比·布莱恩特

width	230px
position	Shooting guard / Point guard
number	3
height ft	6
height in	4
weight lb	220
nationality	American
high school	Harold L. Richards High School
birth date	January 17, 1982
birth place	Chicago, Illinois, United States
college	Marquette (2001-2003)
team	Miami Heat
draft round	1
draft pick	5
draft year	2003
draft team	Miami Heat
career start	2003
team1	Miami Heat |years1–present
highlights	NBA Champion (2006) NBA Finals MVP (2006) 7× NBA All-Star (2005–2011) NBA Scoring Champion () 2× All-NBA First Team (–) 3× All-NBA Second Team (–, ) All-NBA Third Team () 3× All-Defensive Second Team (, –) NBA All-Rookie First Team () NBA All-Star Game MVP (2010) 2× Skills Challenge Champion (–)
medaltemplates	}}

Dwyane Tyrone Wade, Jr. (born January 17, 1982) nicknamed Flash or D-Wade, is an American professional basketball player for the Miami Heat. Awarded 2006 Sportsman of the Year by ''Sports Illustrated'', Wade has established himself as one of the most well-known and popular players in the league. He had the top selling jersey in the NBA for nearly two years, as he led the NBA in jersey sales from the 2005 NBA playoffs, until the mid-point of the 2006–07 season.

After entering the league as the fifth pick in the 2003 NBA Draft, Wade was named to the All-Rookie team and the All-Star team the following seven seasons. In his third season, Wade helped lead the Miami Heat to their first NBA Championship in franchise history. He was named the 2006 NBA Finals MVP as he helped lead the Heat to a 4–2 series win over the Dallas Mavericks. At the 2008 Summer Olympics, Wade led the United States Men's Basketball team, commonly known as the "Redeem Team", in scoring, as they captured gold medal honors in Beijing, China. In the 2008–09 season, Wade led the league in scoring and earned his first NBA scoring title.

Early life

Dwyane Wade was born on the South Side of Chicago, Illinois to Dwyane Sr. and Jolinda Wade. He cites one of his older sisters, Tragil, as the individual most responsible for his childhood upbringing and for steering him in the proper direction. His parents divorced and he lived with his father and stepmother in Robbins, Illinois during his childhood. As a child growing up in the Chicago area Wade idolized former Chicago Bulls star Michael Jordan, and has said he patterns his game after him.

Wade attended Harold L. Richards High School in Oak Lawn, playing for the school's varsity basketball team. While he did not acquire much playing time during his second year, his stepbrother, Demetris McDaniel, was the star of the team. Wade grew four inches in the summer before his junior year and saw an increase in playing time, averaging 20.7 points and 7.6 rebounds per game. The following year, Wade averaged 27.0 points and 11.0 rebounds per game while leading his team to a 24–5 record. It advanced to the title game of the Class AA Eisenhower Sectional. During this season he set school records for points (676) and steals (106) in a season. Wade was recruited by only three college basketball teams (Marquette University, Illinois State, and DePaul University) due to academic problems.

College career

Wade chose to play college basketball for Marquette University in Milwaukee, Wisconsin. During Wade's freshman year at Marquette, he was ineligible to play with the men's team due to a violation of the NCAA's Proposition 48. Wade sought tutoring to improve his writing skills in order to regain eligibility. When Wade became eligible to play the following year (2001–2002), he led the Golden Eagles in scoring with 17.8 ppg, led the conference in steals at 2.47 per game, and accumulated averages of 6.6 rebounds per game and 3.4 assists per game. Marquette finished with a 26–7 record, the school's best record since the 1993–94 season. In 2002–03, Wade led Marquette in scoring again with 21.5 ppg, and Marquette won the school's first and only Conference USA championship with a 27–6 record. That season Wade led the Golden Eagles to the Final Four, the school's first appearance in the Final Four since winning the 1977 national championship. After the season, he was named to the All-America First Team by the Associated Press; Wade is the first Marquette basketball player since 1978 to do so.

Wade's performance during the Midwest Regional Final of the 2003 NCAA Tournament was highly publicized by the national press. Against heavily favored, top-ranked and top-seeded Kentucky Wildcats, Wade recorded a triple-double with 29 points, 11 rebounds, and 11 assists. His triple double was the fourth in NCAA Tournament history. Wade's exceptional play helped lead Marquette over the Wildcats 83–69 and into the Final Four; Wade was named MVP of the Midwest Regional. Marquette finished the season ranked No.6 in the AP poll, the school's highest ranking since the 1976–77 season. Wade's strong tournament play resulted in increased visibility in the national media and, consequently, a high draft projection. As a result, he elected to forgo his senior year at Marquette and enter the 2003 NBA draft. On February 3, 2007, almost four years after Wade played in his final collegiate game, Marquette retired his jersey at halftime of a game against Providence. Although Marquette requires student-athletes to graduate prior to receiving jersey retirement honors, the University made a special exception for Wade based on his accomplishments since leaving Marquette.

NBA career

2003–04

Selected 5th overall in the 2003 NBA Draft by the Miami Heat, Wade quickly emerged as a productive player on a youthful Miami Heat team and averaged 16.2 points on 46.5% shooting with averages of 4.0 rebounds and 4.5 assists per game. Wade is one of only four Marquette University players to be drafted in the first round; his is the highest draft selection in school history. After a 5–15 start, the Heat would gradually improve and finish 42–40 to qualify for the NBA playoffs. He further distinguished himself with outstanding performances in the playoffs, particularly against the Indiana Pacers in the Eastern Conference Semi-finals. In the end, however, Wade's successful rookie season was somewhat overshadowed by the success of fellow rookies Carmelo Anthony and LeBron James. Wade did earn unanimous selection to the 2004 NBA All-Rookie Team, and also finished third in rookie of the year voting (behind James and Anthony). He was ranked in the top five among rookies in several major statistical categories, including second in field goal percentage, second in steals, third in scoring, fourth in assists, and fourth in minutes played. In the playoffs Wade hit a game winning shot in Game 1 of the Heat's first round series against the New Orleans Hornets. The Heat won the series 4–3 and advanced to the second round to face the top-seeded and best record team in the NBA, the Indiana Pacers, in a very entertaining series that almost pushed the 61-win Pacers to the edge, though Miami would eventually lose the series in six games. He became the fourth rookie since the shot clock era began to lead his team in scoring and assist average in the postseason.

2004–05

Before the 2004–05 season Shaquille O'Neal was traded from the Los Angeles Lakers to the Heat. The following season, Miami improved by 17 games, from a 42–40 record in the 2003–04 season to an Eastern Conference-best 59–23 record in the 2004–05 season. The league's coaches selected Wade to be a reserve in the 2005 All-Star Game. He scored 14 points in 24 minutes of play.

In the first round of the 2005 NBA Playoffs, Wade averaged 26.3 points, 8.8 assists, and 6.0 rebounds while maintaining a 50% field-goal percentage as the Heat swept the New Jersey Nets. Wade continued his high level of play in the second round by averaging 31 points, 7 rebounds, and 8 assists per game as the Heat swept the Washington Wizards. The Heat's playoff run was stopped by the Detroit Pistons, the previous season's champions, in 7 games in the Eastern Conference Finals. Wade scored 42 and 36 points in Games 2 and 3 respectively despite playing with sinusitis, the flu, and a knee strain. He also suffered a strained rib muscle in Game 5 of the Conference Finals that prevented him from playing in the series' sixth game and limited him in the seventh. The Heat lost the series in the seventh game despite leading three games to two after the fifth game and holding a lead with three minutes remaining in Game 7.

2005–06

By the 2005–06 season Wade had developed into one of the most prominent players in the NBA and was elected to his second All-Star Game. In the 2006 NBA All-Star Game, Wade made the game winning put-back off of the Philadelphia 76ers' Allen Iverson's missed shot, to lead the East to a 122–120 victory over the West. He scored 20 points on 9/11 field goals in 30 minutes of play. He finished the 2005–06 regular season averaging 27.2 points, 6.7 assists, 5.7 rebounds, and 1.95 steals per game.

Against the Chicago Bulls in the first round of the 2006 NBA Playoffs, Wade shook off a few injuries that scared Heat fans, including a severely bruised hip in Game 5. Returning late in the half, Wade resurrected his team by scoring 15 of his 28 points while suffering from intense pain, leading the Heat to the much-needed 3–2 series lead. After this, Wade successfully led his team to the 2006 NBA Finals, despite suffering from flu-like symptoms in game 6 of the Eastern Conference Finals against the Detroit Pistons. He put up a double-double with 14 points and 10 assists in that game, including an 8-point flurry to close out the third quarter that put the game out of reach.

2006 NBA Finals

In his first trip to the NBA Finals, in which Miami faced off against the Dallas Mavericks, Wade had some especially memorable moments. His performance in games three, four, and five, in which he scored 42, 36, and 43 points, respectively, helped bring the Heat back from a 0–2 deficit to lead the series at 3 games to 2. In Game 3 Wade tied his career playoff high with 42 points and grabbed a career high 13 rebounds. 15 of his 42 points came in the fourth quarter, in which the Heat erased a 13 point deficit over the final 6:29 with a 22–7 run which included a go-ahead jumper by NBA veteran Gary Payton that sealed the win. The Heat went on to win Game 6 behind Wade's 36 points, taking the series 4–2, and Wade was presented with the Finals MVP trophy. He became the fifth youngest player in NBA history to capture NBA Finals MVP honors and recorded the third highest scoring average by a player in his first NBA Finals with 34.7 points per game. His 33.8 PER in the NBA finals was ranked by ESPN's John Hollinger as the greatest Finals performance since the NBA-ABA merger.

2006–07

In the 2006–07 season, Wade missed a total of 31 games due to injury. He was elected to his third straight All-Star Game and received All-NBA honors. He became the first guard to earn All-NBA honors after missing at least 31 games in a season since Pete Maravich of the Utah Jazz earned Second Team honors during the 1977–78 season. Despite Wade's play, the Heat struggled early in the season with injuries and were 20–25 on February 1, 2007. But with Shaquille O'Neal healthy and Pat Riley returning to the bench after undergoing hip and knee surgeries, the Heat seemed poised to surge into the second half of the season. However, during a game against the Houston Rockets on February 21, 2007, while attempting to steal the ball from Shane Battier, Wade dislocated his left shoulder and was assisted off the court in a wheelchair. After the injury he was left with the decision to either rehabilitate the shoulder or undergo season-ending surgery. Wade later announced that he would put off the surgery and rehabilitate his shoulder with the intention of rejoining the team in time for the playoffs. After missing 23 games to recover from the injury, Wade returned to the active roster in a game against the Charlotte Bobcats. Sporting a black sleeve to help protect his dislocated left shoulder, Wade played 27 minutes and recorded 12 points and 8 assists, in a 111–103 overtime loss. For the season, Wade averaged 27.4 points, 7.5 assists, 4.7 rebounds, and 2.1 steals per game shooting 50% from the field, and finished the season as the NBA's leader in PER (Player efficiency rating).

In the playoffs, Wade averaged 23.5 points, 6.3 assists, and 4.8 rebounds per game, as the Heat were swept in the first round by the Chicago Bulls. Following the playoffs, Wade underwent a pair of successful surgeries to repair his dislocated left shoulder and left knee. The knee ailment, commonly called "jumper's knee," prevented Wade from joining USA Basketball in the Olympic Qualifying Tournament over the summer.

2007–08

After missing the Tournament of Americas Olympic Qualifiers over the summer, Miami's eight pre-season games and first seven regular season games to recover from off-season left knee and left shoulder surgeries, Wade made his first appearance of the 2007–08 season on November 14, 2007. Battling pain in his left knee throughout the season, Wade was elected to his fourth consecutive All-Star Game appearance. However, with the Heat holding the worst record in the NBA and Wade still experiencing problems in his left knee, Heat coach Pat Riley announced Wade would miss the final 21 games of the season to undergo OssaTron treatment on his left knee. Wade averaged 24.6 points, 6.9 assists, 4.2 rebounds, and 1.7 steals per game for the season.

2008–09

After undergoing months of rehabilitation on his left knee and helping the U.S. Olympic team win a gold medal at the 2008 Olympics, in which he led the team in scoring, Wade returned to the starting lineup at the start of the 2008–09 season. Early in the season, Wade became the second player in NBA history to tally at least 40 points, 10 assists and five blocked shots in a game since Alvan Adams did so in the 1976–77 season. With a healthy Wade leading the league in scoring and the Heat making a push for a playoff position, Wade was elected to his fifth consecutive All-Star game appearance.

Following the All-Star game, Wade recorded 50 points on 56.6% shooting and added 5 rebounds and 5 assists in a blow-out loss against the Orlando Magic. Wade became the fourth player in NBA history to score at least 50 points while his team lost by at least 20 in a game. The following game, Wade recorded a career-high 16 assists and added 31 points and 7 rebounds in a 103–91 win against the Detroit Pistons. Wade became the second player to record 15 or more assists after scoring at least 50 points since Wilt Chamberlain did so in 1968. Two games later, Wade tied a franchise record with 24 points in the fourth quarter, as he led the Heat back from a 15 point deficit in the final nine minutes of the quarter to secure a 120–115 win over the New York Knicks. For the game, Wade recorded 46 points on 55% field goal shooting, 10 assists, 8 rebounds, 4 steals and 3 blocks. Wade followed the performance with a second-consecutive 40-point game against the Cleveland Cavaliers. Playing against his Eastern Conference rival and good friend, LeBron James, Wade registered 41 points on 53% shooting, 9 assists, 7 steals, 7 rebounds and one block as the Heat lost 107–100. The following game, in former teammate Shaquille O'Neal's return to Miami since being traded, Wade tied a career-high with 16 assists and added 35 points on 62% shooting, 6 rebounds, a steal and a block, as the Heat defeated the Phoenix Suns 135–129. Wade became the only player in Heat history to have multiple games with at least 30 points and 15 assists. Less than a week later, Wade tied his franchise record with his 78th consecutive game of scoring in double figures in a double overtime thriller against the Chicago Bulls, in which he scored the game-winning three-point basket to secure a 130–127 win. Wade finished with 48 points on 71.4% shooting, 12 assists, 6 rebounds, 4 steals and 3 blocks in 50 minutes. Wade joined Wilt Chamberlain as the only other player in NBA history to score that many points and have that many assists in a game, while having as high of a field goal percentage. Two games later, Wade surpassed Alonzo Mourning and became the Heat's all-time leading scorer in a triple overtime classic against the Utah Jazz. Wade finished with 50 points, 10 rebounds, 9 assists, 4 steals, and 2 blocks in a 140–129 win.

During the season, Wade became the first player in NBA history to accumulate at least 2,000 points, 500 assists, 100 steals, and 100 blocks in a season and is the first player of 6 ft. 5 in. or shorter to register at least 100 blocks in a season. Wade also became just the fifth player in NBA History to reach 2,000 points, 500 assists, and 150 steals in a season. After a 97–92 win against the Charlotte Bobcats, Wade helped the Heat clinch a playoff berth and become only the second team in NBA History to reach the postseason after winning 15 or fewer games the year before. In a 122–105 win against the New York Knicks, Wade recorded a career high 55 points on 63% field goal shooting and added 9 rebounds and 4 assists. Wade recorded 50 points through three quarters and was pulled out of the game while he was one point shy of eclipsing the franchise record of 56 points set by Glen Rice. For the season, Wade averaged a league high 30.2 points per game, earning his first NBA Scoring Title, and added 7.5 assists, 5.0 rebounds, 2.2 steals, and 1.3 blocks per game. Wade finished the season with higher point, assist, steal and block averages than LeBron James and Kobe Bryant, who both finished ahead of Wade in the MVP race.

2009–10

On November 1, in just his third game of the season Wade recorded his 10,000th career point in a 95–87 win against the Chicago Bulls. On November 12 against the Cleveland Cavaliers, Wade made a spectacular dunk over Anderson Varejão, considered by many to be one of the greatest of the season until then. LeBron James himself described the dunk as "great, probably top 10 all-time". Two days later against the New Jersey Nets, with the Heat down by two in the final seconds, Wade hit a clutch three-point shot, giving the Heat the win by one point, 81–80. On January 6, Wade scored a season-high 44 points in an overtime loss against the Boston Celtics, the most points scored by a player in a losing effort in the season until that point. On January 21, Wade was selected to play for the East in the 2010 NBA All-Star Game, which was his sixth overall All-Star appearance. Wade was named the game's MVP after recording 28 points, 11 assists, 5 steals and 6 rebounds.

In just his second game back from the All-Star Game on February 17, Wade strained his calf in the first quarter. He left the game with 8 points in 8 minutes of play, ending his personal and also Heat's franchise record streak of 148 consecutive games with at least 10 points. On April 2, Wade was named Eastern Conference Player of the Month and Player of the Week twice for his play in the month of March, leading the Heat to a 12–3, the team's best record since March 2006. It was his first Player of the Month award of the season and 5th of his career. He averaged 26.9 and 7.5 assists per game, which both ranked third in the Eastern Conference, and 2.3 steals per game, which ranked first. Wade recorded six 30 points games and had six double-doubles in the month, including a season-high 14 assists in an overtime win against the Los Angeles Lakers on March 4.

For the season, Wade averaged 26.6 points on 47.6% field goal shooting, 6.5 assists, 4.8 rebounds, 1.8 steals and 1.1 blocks per game, while leading his team to a 47–35 record, clinching the fifth seed in the NBA Playoffs. In the first round, with the Heat facing a sweep against the Boston Celtics, Wade recorded a career playoff-high and also franchise record 46 points, outscoring the entire Celtics team in the 4th quarter with 19 points versus 15 by Boston. It was also Wade's sixth career playoff game with at least 40 points scored. Despite averaging 33.2 points on 56.4% shooting, 6.8 assists, 5.6 rebounds, 1.6 steals and 1.6 blocks, Wade and the Heat would lose to Boston in five games.

2010–11

On July 7, it was announced that Wade would be re-signing with the Miami Heat, along with former Toronto Raptor, Chris Bosh. The following day, LeBron James announced he would be joining the Heat to play with Wade and Bosh. Wade, Bosh and James signed their contracts on July 9.

United States national team

Wade was a member of the 2004 US Olympics team with fellow NBA All-Stars LeBron James and Carmelo Anthony. The team competed in the 2006 FIBA World Championship in Japan, in which Wade averaged 19.3 points per game. The team won a bronze medal, which disappointed many USA fans who had hoped for a return to the days of the original "Dream Team". Wade was named to the USA Men's Basketball National Team from 2006 to 2008. He was named co-captain of the 2006 team, along with James and Anthony. In 2007, due to injury, Wade was unable to compete at the Tournament of Americas Olympic Qualifiers, where the United States compiled a 10–0 record and qualified for the 2008 Olympics in Beijing, China.

At the 2008 Olympics, the United States went unbeaten and earned gold medal honors, defeating the 2006 World Champion Spain in the final game. Wade led the team in scoring throughout the tournament and tallied a game high 27 points in 27 minutes on 75% field goal shooting and added 4 steals, 2 assists and 2 rebounds in the game. For the tournament, he averaged a team high 16 points in 18 minutes on 67% field goal shooting, 4 rebounds, 2 assists and 2.3 steals, as the United States lived up to their Redeem Team moniker and captured gold medal honors for the first time since 2000.

Player profile

Wade plays the shooting guard position, but is also capable of playing point guard. On offense, he has established himself as one of the quickest and most difficult players to guard in the NBA. Wade's signature one-two step allows him to dash past bigger defenders and occasionally get the extra foul shot. Wade is able to get to the free throw line consistently; he ranked first in free-throw attempts per 48 minutes in 2004–05 and again in the 2006–07 season. He has proven himself an unselfish player, averaging 6.3 assists per game throughout his career. After winning the NBA Finals MVP Award in 2006, Wade developed a reputation as one of the premier clutch players in the NBA.

David Thorpe, an athletic trainer who runs a training center for NBA players in the offseason, also cites Wade's developing post up game as one of his strengths. "Watching Wade operate on the left block is literally like watching old footage of MJ (Michael Jordan)," comments Thorpe. Thorpe goes on to say that Wade's best moves from the post are his turnaround jump shot, double pivot, and what Thorpe terms as a "freeze fake", a pump fake Wade uses to get his opponent to jump, so that he can then drive around him to the basket. The main weakness cited in Wade's ability is his lack of three-point range; he has averaged .292 on three-point field goal attempts for his career.

Wade is best known for his ability to convert difficult lay-ups, even after hard mid-air collisions with larger defenders. As crowd pleasing as his high-flying style of basketball may be, some have expressed concerns over the dangers of playing in this manner, as Wade has already hurt his knees and wrists after mid-air collisions with larger players. Wade has also established himself on defense for his ability to block shots and accumulate steals.

Salaries

Season !! Team !! Salary
2003–04 NBA season	2003–04	Miami Heat>Miami	$2,636,400
2004–05 NBA season	2004–05	Miami
2005–06 NBA season	2005–06	Miami
2006–07 NBA season	2006–07	Miami
2007–08 NBA season	2007–08	Miami
2008–09 NBA season	2008–09	Miami
2009–10 NBA season	2009–10	Miami
2010–11 NBA season	2010–11	Miami

NBA career statistics

Regular season

|- | style="text-align:left;"| 2003–04 | style="text-align:left;"| Miami | 61 || 56 || 34.9 || .465 || .302 || .747 || 4.0 || 4.5 || 1.4 || .6 || 16.2 |- | style="text-align:left;"| 2004–05 | style="text-align:left;"| Miami | 77 || 77 || 38.6 || .478 || .289 || .762 || 5.2 || 6.8 || 1.6 || 1.1 || 24.1 |- | style="text-align:left;"| 2005–06 | style="text-align:left;"| Miami | 75 || 75 || 38.6 || .495 || .171 || .783 || 5.7 || 6.7 || 2.0 || .8 || 27.2 |- | style="text-align:left;"| 2006–07 | style="text-align:left;"| Miami | 51 || 50 || 37.9 || .491 || .266 || .807 || 4.7 || 7.5 || 2.1 || 1.2 || 27.4 |- | style="text-align:left;"| 2007–08 | style="text-align:left;"| Miami | 51 || 49 || 38.3 || .469 || .286 || .758 || 4.2 || 6.9 || 1.7 || .7 || 24.6 |- | style="text-align:left;"| 2008–09 | style="text-align:left;"| Miami | 79 || 79 || 38.6 || .491 || .317 || .765 || 5.0 || 7.5 || 2.2 || 1.3 || 30.2 |- | style="text-align:left;"| 2009–10 | style="text-align:left;"| Miami | 77|| 77 || 36.3 || .476 || .300 || .761 || 4.8 || 6.5 || 1.8 || 1.1 || 26.6 |- | style="text-align:left;"| 2010–11 | style="text-align:left;"| Miami | 76|| 76 || 37.1 || .500 || .306 || .758 || 6.4 || 4.6 || 1.5 || 1.1 || 25.5 |- class="unsortable" | style="text-align:left;"| Career | style="text-align:left;"| | 547 || 539 || 37.6 || .485 || .292 || .769 || 5.1 || 6.3 || 1.8 || 1.0 || 25.4 |- class="unsortable" | style="text-align:left;"| All-Star | style="text-align:left;"| | 7 || 6 || 25.4 || .593 || .200 || .667 || 3.3 || 4.0 || 2.7 || .4 || 16.9

Playoffs

|- | style="text-align:left;"| 2003–04 | style="text-align:left;"| Miami | 13 || 13 || 39.2 || .455 || .375 || .787 || 4.0 || 5.6 || 1.3 || .3 || 18.0 |- | style="text-align:left;"| 2004–05 | style="text-align:left;"| Miami | 14 || 14 || 40.8 || .484 || .100 || .799 || 5.7 || 6.6 || 1.6 || 1.1 || 27.4 |- | style="text-align:left;"| 2005–06 | style="text-align:left;"| Miami | 23 || 23 || 41.7 || .497 || .378 || .808 || 5.9 || 5.7 || 2.2 || 1.1 || 28.4 |- | style="text-align:left;"| 2006–07 | style="text-align:left;"| Miami | 4 || 4 || 40.5 || .429 || .000 || .688 || 4.8 || 6.3 || 1.2 || .5 || 23.5 |- | style="text-align:left;"| 2008–09 | style="text-align:left;"| Miami | 7 || 7 || 40.7 || .439 || .360 || .862 || 5.0 || 5.3 || .9 || 1.6 || 29.1 |- | style="text-align:left;"| 2009–10 | style="text-align:left;"| Miami | 5 || 5 || 42.0 || .564 || .405 || .675 || 5.6 || 6.8 || 1.6 || 1.6 || 33.2 |- | style="text-align:left;"| 2010–11 | style="text-align:left;"| Miami | 21 || 21 || 39.4 || .485 || .269 || .777 || 7.1 || 4.4 || 1.6 || 1.3 || 24.5 |- class="unsortable" | style="text-align:left;"| Career | style="text-align:left;"| | 87 || 87 || 40.5 || .483 || .327 || .789 || 5.7 || 5.6 || 1.6 || 1.1 || 25.9

Awards and honors

NBA Champion: 2006

NBA Finals MVP: 2006

NBA Scoring Title: 2009

NBA All-Star Game MVP: 2010

7× NBA All-Star: 2005, 2006, 2007, 2008, 2009, 2010, 2011

6× All-NBA:

:* First Team: 2009, 2010 :* Second Team: 2005, 2006, 2011 :* Third Team: 2007

3× All-Defense:

:* Second Team: 2005, 2009, 2010

NBA All-Rookie First Team: 2004

NBA All-Star Skills Challenge Champion: 2006, 2007

Gold medal with Team USA: 2008 Summer Olympic Games

Bronze medal with Team USA: 2004 Summer Olympic Games

Bronze medal with Team USA: 2006 FIBA World Championship

Miami Heat All-time Leading Scorer

Miami Heat All-time Assists Leader

2005 ''Best Breakthrough Athlete ESPY Award''

2006 ''Best NBA Player ESPY Award''

2006 ''Sports Illustrated'' Sportsman of the Year

Off the court

Wade married his high school girlfriend Siohvaughn Funches but filed for a divorce in 2007. He has two sons, Zaire Blessing Dwyane Wade (born February 4, 2002) and Zion Malachi Airamis Wade (born May 29, 2007). Wade's nicknames include D-Wade and Flash, which was given to him by former teammate Shaquille O'Neal who would sing, "He's the greatest in the Universe," in reference to the Queen song of the same name from the 1980 film ''Flash Gordon''. The Heat's 2005 NBA Playoff run and Wade's performances with Shaquille O'Neal hampered by injury, led to an explosion of media attention and rapid increase in Wade's popularity. During those playoffs, Wade's jersey became the top selling jersey in the league and remained so for nearly two years. After the Heat's success and Wade's memorable performances during the 2006 NBA Playoffs, Wade was further elevated into the public's eye and appeared on several talk shows, including ''Late Show with David Letterman'' and ''Live with Regis and Kelly''.

Wade has been featured in a number of magazine articles and publications. In 2005, he was featured on People's 50 Most Beautiful People, and in 2006 he was named the NBA's best dressed player by GQ Magazine. In 2007, Esquire named him to their 4th annual Best Dressed Men in the World list for the second straight year. Wade has endorsement deals with companies such as Gatorade, Lincoln, Staples, Sean John, T-Mobile (his TV commercials feature him paired with NBA legend Charles Barkley), and Topps. He had his own line of shoes with Converse named "The Wade" and a series of Sidekick phones known as the D-Wade Edition with T-Mobile. During the 2009–10 season, Wade switched from Converse to Nike's Jordan Brand. Wade noted that the partnership ended on good terms, stating, "When I came into the NBA, I didn't have a lot of exposure and Converse gave me an opportunity to head a brand and be the face of a brand. I'm really thankful for six long, good years. I've gotten five shoes out of the deal and my dream came true at the Converse brand, because they put my name on a pair of sneakers." Wade was hand-chosen by Michael Jordan and debuted the Air Jordan 2010 during the 2010 NBA All-Star break. During the 2011 NBA Playoffs, Wade debuted his first signature shoe for the Jordan Brand, joining fellow players Carmelo Anthony and Chris Paul, who have their own signature shoes for the brand.

Philanthropy

Wade is well known for his philanthropic involvement in various organizations. In 2003, he founded The Wade's World Foundation, which provides support to community-based organizations that promote education, health, and social skills for children in at-risk situations. He hosts a variety of community outreach programs in Chicago and South Florida. In 2008, he announced his partnership with former teammate Alonzo Mourning's charitable foundation and co-hosted ZO's Summer Groove, an annual summer event. On December 24, 2008, Wade purchased a new home for a South Florida woman whose nephew accidentally burned down the family home. In addition, Wade donated some furnishings, clothing, and gifts to the family for the holiday.

After breaking his own Miami Heat single-season scoring record, Wade gave the jersey he wore in that night's victory to 8-year-old Michael Stolzenberg, an avid Heat fan that had his hands and feet removed surgically due to a bacterial infection. Wade stated that he knew Stolzenberg previously and wished to add to his collection of Heat memorabilia. Wade has been known for visiting other sick children, usually in private to avoid placing himself in the media spotlight.

In September 2009, Wade donated money from his foundation to keep the Robbins, Illinois public library from having to shut down. He handed the library director Priscilla Coatney a $25,000 check in order to resurrect the building, which brought Coatney to tears. He called the donation a "small contribution", and reminisced about the difficult experiences he faced as a child, stating that he sometimes did not know how he would find his next meal. In January 2010, Wade co-founded the Haitian earthquake relief fund with former teammate Alonzo Mourning. The fund seeks to raise money to help the victims of the 2010 Haiti earthquake. In the three days since the fund began soliciting donations from athletes, Wade announced that the "Athletes Relief Fund for Haiti" had already raised over $800,000. Wade stated, "I expected nothing less from my friends and colleagues in the sports community, our commitment to this cause knows no bounds, and we will continue to accept any and all donations throughout the days ahead."

Religion

Wade is a devout Christian and chose the number 3 because it represents the Holy Trinity. He tithes 10% of his salary to a church in Chicago.

His mother, Jolinda, strengthened her ties with Christianity in 2001 after years of drug abuse and dealing. She served as a minister during her final prison sentence in 2002 and 2003. She was ordained as a Baptist minister in January 2007, and formed the non-denominational Temple of Praise Binding and Loosing Ministry in Chicago. In May 2008, Wade purchased a church building for his mother's ministry.

See also

2002–03 Marquette Golden Eagles men's basketball team

List of all-time Marquette Golden Eagles men's basketball leaders

List of National Basketball Association season scoring leaders

List of National Basketball Association career playoff turnovers leaders

List of Olympic medalists in basketball

List of 2010–11 NBA season transactions

References

External links

NBA.com profile

Marquette University Men's Basketball team biography

US Olympic Team bio

2003 NBA Draft profile

Category:1982 births Category:Living people Category:African American basketball players Category:American basketball players Category:American Christians Category:Basketball players at the 2004 Summer Olympics Category:Basketball players at the 2008 Summer Olympics Category:Basketball players from Illinois Category:Marquette Golden Eagles men's basketball players Category:Miami Heat draft picks Category:Miami Heat players Category:NBA Finals MVP Award winners Category:Olympic basketball players of the United States Category:Olympic bronze medalists for the United States Category:Olympic gold medalists for the United States Category:Sportspeople from Chicago, Illinois Category:Shooting guards Category:United States men's national basketball team members Category:Olympic medalists in basketball

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