what is a credit card

What Is a Credit Card? How Credit Cards Work in the U.S. (Complete Guide)

January 6, 2026 by Team Monvixo

Illustration showing a modern credit card and smartphone representing how credit cards work in the United States

Key Takeaways at a Glance Why credit cards matter in everyday American life For many Americans, credit cards …

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Monvixo is an independent financial education platform helping everyday Americans understand money through simple, unbiased guides on banking, credit, loans, insurance, and personal finance.

Email: contact@monvixo.com

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