What is a credit card?
A credit card is a card issued based on a consumer's
credit. Credit here means whether or not you have the ability to pay the
price, and when issuing a credit card, there is a review by the issuing
Credit cards can be used as a means of payment and payment as an alternative to cash, and products and services can be purchased with post pay within the conditions set for each card (usage limit, etc.).
If you pay with a credit card at the time of shopping, the card company will temporarily take over the payment to the store (for card users, it feels like "payment"). After a certain period of time, the payment will be completed by debiting the user's deposit account to the card issuing company.
> Credit card payment mechanism
■ ----- Number of credit cards issued and market size ----- The
number of credit cards issued was approximately 250 million as of the end of 2002. Considering the working population, each person has about 4 cards, but in reality, there are 0 people and 20 people. In addition, the transaction amount is more than 24.6 trillion yen in the amount of credit provided by card shopping, and has been increasing in recent years with the number of issued credits.
■ ----- Precautions when using a credit card ----- Although
it is a convenient credit card, you can pay even if you do not have cash at hand, and you can borrow money in a hurry, but its convenience Therefore, be careful not to overuse it. It is desirable to use it systematically and within a reasonable range of payment.
It's hard to say that a credit card is a very complimented way to use it by repeatedly creating new cards and spending up to the limit to satisfy your shopping needs. After using your credit card, you may want to keep in mind that you are in debt until the withdrawal from your account is complete. Also, it is not recommended to make a credit card for the purpose of using the card loan slot or cashing slot from the beginning. Please use it systematically.