Web Definition: Credit Cards
A credit card system is a type of retail transaction settlement & credit system, named after the small plastic card issued to users of the system. A credit card is different from a debit card in that the credit card issuer lends the consumer money rather than having the money removed from an account. It is also different from a charge card in that charge cards do not extend the user credit -- the charges must be paid each month in full. Most credit cards are the same shape & size, as specified by the ISO 7810 standard. A credit card user is issued the card after approval from a provider, in which they will be able to make purchases from merchants supporting that credit card up to a prenegotiated credit limit. When a purchase is made, the credit card user indicates his/her consent to pay, usually by signing a receipt with a record of the card details & indicating the amount to be paid.
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