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In other words, credit cards combine payment services with extensions of credit.

Complex fee structures in the credit card industry may limit customers' ability to comparison shop, help ensure that the industry is not price-competitive and help maximize industry profits.

Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG 1.

Credit cards have a magnetic stripe conforming to the ISO/IEC 7813.

Charge coins and other similar items were used from the late 19th century to the 1930s.

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 the 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.

In recording a purchase, the plate was laid into a recess in the imprinter, with a paper "charge slip" positioned on top of it.

The record of the transaction included an impression of the embossed information, made by the imprinter pressing an inked ribbon against the charge slip.