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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 , from which the user can borrow some money for payment to a merchant or as a cash advance to the user.

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Visa or Mastercard

Visa or mastercard credit cards

Creditcards or Charge Cards ?!

A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. Incontrast, 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.
With the credit card industry in flux over the past couple of years, few things are like they used to be. Even cash back credit cards, And, its not just offers for new cash back credit cards that have changed, cardholders with existing cashback credit-cards might find that the terms on their cards have changed without their noticing.