A credit card facility is different than a credit facility. The term credit card facility is often used to describe features of a credit card that a cardholder receives when a credit card is opened. For example, a credit card may come with technology allowing for transactions to be automatically paid, split into tracking categories, or transferred to other cards. Although another example of a credit card facility is the ability to withdraw cash, a credit card facility doesn't always tie back to the cardholder being able to borrow or get more money.