Many credit card firms are competing to extend credit to you. Be mindful of a few key details before bringing that brand-new T-shirt or water bottle. By agreeing to make a future payment for something you currently get, you are given credit. The authority to guarantee the lender that the money will be repaid belongs to the consumer. For more details visit this link: https://cardinsider.wixsite.com/cardinsider/post/credit-card-facts-every-user-should-know