A credit card is a form of borrowing. You can apply for one from a bank, building society and certain high street stores. If they accept your application, they (your card issuer ) will set you a credit limit (the amount you can borrow) depending on your credit score.
You can use your credit card to buy goods and services and you'll get a statement each month showing how much you've spent. You have to pay back at least the minimum amount shown on the statement each month. The card issuer will charge you interest each month on any money you still owe (the outstanding balance).
Before you choose any credit card, shop around. You'll find that while they all work on the same principle, they come with many different incentives such as 0% interest and other benefits.
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