Credit card is a plastic or metal issued instrument by a bank or financial services company, that allows cardholders to borrow funds with which to pay for goods and services with merchants that accept cards for payment. Credit cards impose the condition that cardholders pay back the borrowed money, plus any applicable interest, as well as any additional agreed-upon charges, either in full by the billing date or over time. Customer can borrow funds or use at any merchant site and merchant shop from credit card. Banks or financial services gives a credit card limit for use and gives flexible repayment time or conditions.