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- Card payments are a way of paying for goods and services by using a plastic card issued by a financial institution1. The cardholder can access their bank account or credit account and transfer money electronically to the merchant or the ATM1. When using a credit card, the cardholder has to pay back the amount they charged, plus any interest, fees, and penalties that may apply2.Learn more:✕This summary was generated using AI based on multiple online sources. To view the original source information, use the "Learn more" links.Payment cards are part of a payment system issued by financial institutions, such as a bank, to a customer that enables its owner (the cardholder) to access the funds in the customer's designated bank accounts, or through a credit account and make payments by electronic transfer with a payment terminal and access automated teller machines (ATMs).en.wikipedia.org/wiki/Payment_cardWhen you use a credit card to make a purchase, the amount you charge is added to what you owe in total, typically referred to as your credit card's balance. Your balance is not just the sum of your purchases, however. It also includes the interest you owe on your balance, as well as any fees and penalties the card issuer has charged you.www.investopedia.com/how-do-credit-card-paymen…
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