A credit card is a payment card issued to users cardholders to enable the cardholder to pay a merchant for goods and services based on the cardholder’s promise to the card issuer to pay them for the amounts plus the other agreed charges. A credit card is different from a charge card , which requires the balance to be repaid in full each month. A credit card also differs from a cash card , which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date. The size of most credit cards is The card number’s prefix , called the Bank Identification Number known in the industry as a BIN  , is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs. This is the first six digits for MasterCard and Visa cards.
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