Hariom999

 **Understanding Credit Cards: A Complete Guide** Credit cards have become an essential financial tool in today’s world, offering convenience, security, and flexibility in managing money. Whether shopping online, booking travel, or covering unexpected expenses, credit cards allow people to make payments without carrying large amounts of cash. However, while they offer many benefits, credit cards also come with responsibilities that users must understand. Hari ### What is a Credit Card? A credit card is a payment card issued by banks or financial institutions that allows cardholders to borrow funds to pay for goods and services. Unlike debit cards, which deduct money directly from a bank account, credit cards provide access to a line of credit that must be repaid, usually with interest. Hari ### Key Benefits of Credit Cards 1. **Convenience** – Credit cards are widely accepted and eliminate the need for carrying cash. Hari 2. **Credit Building** – Responsible use, such as maki...