Bank credit cards come with huge responsibilities. Your first step to using one wisely is to know how the card works and what duties you have as its user.

A bank credit card allows you to borrow money from a revolving line of credit with a limit, which is determined by the card issuer (the bank). You can use the card to purchase goods or services, like food, clothes, movie tickets, or dinners in a restaurant.

When you use the card to pay for something, you are technically borrowing money from the bank which issued the card to you. You make this