What is a credit card?

A credit card is a plastic or metal card that gives you access to a revolving line of credit, effectively allowing you to borrow money from the card issuer to make purchases without using physical cash. Our comprehensive guide explains the benefits and risks of using a credit card.
The vast majority of Americans have at least one credit card in their wallets. But what exactly are credit cards? They are revolving lines of credit that allow you to make purchases without using physical cash. In 2021, consumers used their credit cards for more than 51 billion payments valued at more than $4.8 trillion, […]

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