Credit Back

A credit card is part of a system of payments named after the small plastic card issued to users of the system. The issuer of the card grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user. A credit card is different from a charge card, which requires the balance to be paid in full each month. In contrast, credit cards allow the consumers to 'revolve' their balance, at the cost of having interest charged. Most credit cards are issued by local banks or credit unions, and are the

In a video interview Ms. "X" goes back in time to the day she discovered her identity was stolen. One of thousands of identity theft victims, she speaks out about dealing with inexperienced authorities, knowing the thief's identity and not being able to do anything about it, and the credit battle she is still fighting today. [VIDEO]

Nowadays people like to use cash back credit cards to make their purchase, as they are more likely to gain cash back rewards rather than point rewards. Citibank cash back is the most common cash back credit card that offer lower interest rate and lower balance transfer rate.