A plastic card with credit confines used to buy merchandise and ventures and to get loans on layaway. A plastic card that gives you access to cash the bank has consented to loan you for a specific time frame. See likewise intrigue free period on charge cards. It is the plastic card bearing a record number allotted to a cardholder. Visas are issued with a set credit cutoff and expiry date. The cardholder is then charged by the backer for reimbursement of the credit broadened.