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A credit card is different from a charge card, where it requires the balance to be repaid in full each month.In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged.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 so paid plus other agreed charges.The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG 1.

The next nine digits are the individual account number, and the final digit is a validity check code.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.Not all credit cards have the same sets of extra codes nor do they use the same number of digits.

or embossed bank card number complying with the ISO/IEC 7812 numbering standard.The card number's prefix, called the Bank Identification Number, is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs.

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