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A credit card is a line of credit issued by a financial institution. It serves as an alternative to cash and comes with a pre-set credit limit, which depends on various factors. This allows you to pay for purchases using borrowed credit, even in the absence of adequate funds in your account. You can then go on to repay the amount spent on your card, in full, at the time of billing, or opt for the credit card EMI option. As long as you pay your bills in time, there are no penalties charged, and you can continue purchasing with ease. In addition to this, good credit cards also offer you benefits such as rewards, cashback, etc.