A credit card is a plastic card that allows the holder to borrow money from a financial institution, up to a certain limit, to make purchases or withdraw cash. When using a credit card, the cardholder is essentially taking out a loan, which must be repaid along with interest and any fees that may apply.

Credit cards are widely used for convenience and security in making purchases, both in-person and online. They often come with benefits and rewards, such as cash back, points, or airline miles etc., However, one has to take proper care while using them, as they can lead to certain risks.