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A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. In other words, credit cards combine payment services with extensions of credit. Complex fee structures in the credit card industry may limit customers' ability to comparison shop, helping to ensure that the industry is not price-competitive and helping to maximize industry profits. Due to concerns about this, many legislatures have regulated credit card fees.A credit card is different from a charge card, which requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

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  1. JustSomeGuy

    How credit card issuers can help curb gun violence

    Came across this editorial in the February edition of American Banker magazine. It was written by Duncan MacDonald, a banking attorney and retired group counsel for Citigroup's North American and European card businesses. In a nutshell, it advocates card companies tracking/monitoring trends in...
  2. RicInOR

    National  Guns don't kill people, Credit Cards Kill People

    Guess what time it is campers ... Majority of mass shooters finance their weapon stockpiles with credit Obvious time. Would you guess that most guns are bought with credit cards. Guess what that means.
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