What Is a Credit Card?
A credit card is a payment card that lets you borrow funds up to a preset limit to make purchases, pay bills, or access cash advances. Unlike a debit card, which uses money you already have, a credit card gives you short-term credit that must be repaid either in full each billing cycle or over time with interest.
When you use a credit card, the card issuer pays the merchant on your behalf. You then owe that amount to the issuer. If you don’t pay the full balance by the due date, interest charges apply. Responsible use can help build a credit history, which lenders use to assess your financial reliability.
Credit cards often come with benefits such as rewards, points, and cashback, but they can also carry fees and interest if balances aren’t managed carefully.
A crypto-linked credit card like KAST’s credit card functions similarly but integrates digital assets and stablecoin rewards. With KAST, spending can earn cashback in supported stablecoins and offers users a bridge between traditional card payments and blockchain-based value.
