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A credit card is a financial tool issued by banks or credit institutions that allows users to borrow money up to a predetermined limit for purchases or cash withdrawals. Unlike debit cards, which deduct funds directly from a bank account, credit cards provide a short-term loan that must be repaid, usually with interest if not paid in full by the due date. They offer convenience, security, and rewards such as cashback, travel benefits, and discounts. Responsible usage helps build credit scores, while excessive debt can lead to financial challenges.<br><br><br><br><br><br><br><br>
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