The purpose of a charge card is to provide maximum flexibility and convenience to the cardholder in terms of spending power. Charge cards can be valuable tools for users who conduct numerous or large purchases. They can avoid the hassle of keeping multiple cards on hand or routinely asking their card issuer for credit limit increases. Many charge cards are geared toward business owners. These individuals typically need immediate access to a large amount of credit to pay for a wide range of expenses, which a charge card readily provides.