A credit card is financial instrument issued by banks with a pre-set credit limit.

helping you make cashless transactions. The card issuer determines 

the credit limit based on your credit score credit history and your income.

Once you the  credit card bill, you can repay the amount you have spent 

within a certain repayment period any interest. 

After this grace period, interest is applied on your balance.

The key difference between a credit caard and a debit card is that money gets deducated from your bank account 

when you swip a debit card. In the case of a credit card, the money is taken from your credit limit.

You can swipe a credit card to  make a payment online ar offline for almost all products and services. 

After you apply for credit card and begin to use it, make sure that the amount you have borrowed or utilised is repaid

within the stipulated time frame to avoid penalty charges. Your credit card details are stored securely with the issuer. 

To avoid fraud, don't share your credit card information with anyone.