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04-Jan-2018 02:34

A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services, based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other agreed charges.The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.By submitting a post, you agree to be bound by Bankrate's terms of use.Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices.Our credit advisors will assist in analyzing your current financial situation, providing personalized options based on your goals, and recommending the optimal debt management plan to achieve financial stability.The debt counseling solutions we provide offer our members long term financial success, as well as short term debt management programs and debt consolidation.

Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.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.This is the first six digits for Master Card and Visa cards.

The next nine digits are the individual account number, and the final digit is a validity check code.The best way to consolidate credit card debt under ,000 could be to get a zero-percent interest credit card and transfer balances from high-interest credit cards over to it.



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