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A credit card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them.

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.

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.

MasterCard credit cards are widely accepted around the world. They serve customers in over 210 countries, and process over 15 million transactions a day in over 180 currencies.


Visa Credit Cards offer exceptional convenience and reliability and are used by people around the world. Visa is acceptance in more than 150 countries. It's a secure, reliable way to pay anywhere in the world.