Credit Card Issuers

Credit card issuers are financial institutions, such as banks or credit unions, that provide credit cards to consumers. They manage the account, set terms like interest rates and limits, and handle transactions. When you use a credit card to buy something, the issuer pays the merchant and then bills you for the amount, often with monthly statements. They also assess your creditworthiness, monitor your activity, and offer services like rewards or fraud protection. Essentially, they are the companies behind your credit card, enabling you to borrow funds temporarily and manage your payments.