A credit card is basically a loan from your financial institution. You are assigned a pre-determined credit limit, and you can pay back whatever you charge either in full or monthly installments. If you don’t pay back the entire amount owed each month, you’ll owe interest on the outstanding amount.
Credit cards offer you the convenience of being able to buy what you need now and the security of not having to carry cash. You also receive fraud protection, and in some cases rewards for making purchases.
Visit any Hastings City Bank representative for more information or to apply for a Hastings City Bank Visa Credit Card.