A Credit Card is issued by financial institution, allowing the cardholders to purchase goods and services on credit with a condition to settle within a particular timeframe with free interest or with interest if the due date is exceeded, as well as any additional agreed-upon charges. Credit Cards also offers benefits such as rewards, cashbacks and even monthly plans at zero percent interests to purchase products or services. Furthermore, the financial institution s allow users to withdraw cash as cash advances. financial institution shall decide the borrowing limits, based on an individual's eligibility and credit rating.