Credit card

A credit card is a plastic payment card issued by a financial institution that allows cardholders to borrow funds up to a predefined credit limit for making purchases or cash advances. It offers a convenient and widely accepted means of payment, both in physical stores and online. Credit cards typically come with interest rates and require users to repay borrowed funds, often with added interest, on a monthly basis. They also offer various benefits like rewards programs and purchase protection. Credit cards play a crucial role in modern finance, enabling consumers to manage their expenses, build credit history, and access additional financial services.
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