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Is another type of credit facility arranged with your bank. Your bank issues you with a card with an agreed sum of money on it that belongs to the bank, that you can spend in stores or online. Some credit cards allows you to take cash out of at an ATM also, but you have to check for these details before signing a credit card agreement.
You pay the amount back on a monthly basis, with interest. This is a good option to use if you need to borrow money now and you don’t currently have it, but you know you have money coming in shortly. If you pay back the amount before the specified date you will not be charged interest.
It’s easy to get caught up in the credit card game, where you end up paying off one credit card with another and paying off much more money than you originally borrowed, due to interest. How to avoid playing the credit card game
The way a credit card differs to an overdraft:
You can compare online to find some of the best credit card rates, on websites such as MoneyFacts.co.uk