A Credit Card is a small rectangular piece of shiny plastic about the size of a playing card, with eye-catching colors and holograms on it. They come in various colors, but the most desired and sought after are the Gold and Platinum ones.
Although the purpose of the cards is to show others that people will actually lend you money, and are therefore important. The reality is that the person using the card is usually broke. Credit cards are a way of spending money in advance that you don't yet have. This traps you into huge ever increasing, compound interest rate debts.
Eventually the Secret Credit Card Police also known as the Repo Men (or the more politically correct term "Repo People") come claim everything that you own whether it was originally purchased with the credit card or not.