User: What is a credit card?
Assistant: A credit card is small card made out of plastic with numbers, codes and customer data embossed on it issued by banks and credit card companies.  They enable people who have them to purchase goods and services using money that has been lended as credit to the person who has the credit card.  After purchases are made the credit card holder is responsible for a minimum monthly payment for the lended money that was spend to pay for goods.