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[[Image:Credit-cards.jpg|right|thumb|300px|A ''VISA'' card and a ''MasterCard''.]]
A '''credit card''' makes it easier and more convenient for a consumer to buy things, in three ways:
A '''credit card''' makes it easier and more convenient for a consumer to buy things, in three ways:
*cardholders do not need to carry cash;
*cardholders do not need to carry cash;