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A credit card is a financial tool that allows you to borrow money from a bank or credit card issuer to make purchases. You can use it for various transactions, both online and offline.
When you use a credit card, you're essentially taking a short-term loan. You have a credit limit, and you're expected to repay the borrowed amount along with any interest or fees within a specific time frame.
Credit cards offer convenience, security, and the opportunity to build your credit score. They also provide various perks like cashback, rewards, and travel benefits.
The credit limit is the maximum amount you can borrow on your credit card. It's determined by the credit card issuer based on your creditworthiness, income, and other factors.
The minimum payment is the smallest amount you must pay each month to keep your account in good standing. It's usually a percentage of your outstanding balance.
The APR is the annual cost of borrowing on your credit card. It includes the interest rate and any additional fees.
Using a credit card responsibly by making on-time payments and keeping your credit utilization low can help boost your credit score.
Yes, credit cards may have annual fees, late payment fees, balance transfer fees, and cash advance fees. It's important to read the terms and conditions.
Contact your credit card issuer immediately to report the loss. They will help you deactivate the card and issue a replacement.
To choose the right credit card, consider factors like your spending habits, credit score, and the features and benefits offered. Use comparison tools and consult with financial experts if needed to make an informed decision.