Payment card for cashless payment. Unlike the German Girocard, Credit cards can be used for payment worldwide as well as in e-commerce. Unlike a debit card, sales are usually debited from the customer's account monthly rather than immediately. Optionally, the credit card can be equipped with a credit line if the cardholder has a corresponding credit rating. Credit cards are issued either by a bank in cooperation with a credit card organization, such as MasterCard, Visa or JCB (Japan Credit Bureau). Or they come directly from a credit card company, such as American Express, Discover or Diners Club.
