A credit card is a way of borrowing that lets you buy things up to a pre-arranged limit and pay for them later, either in one go, or by instalments.
You can buy things in the same way you use your debit card, but the difference is that debit cards use money from your bank account, whereas spending on your credit card means borrowing money from your card provider.
Every time you spend on the credit card, the amount will be added to the card’s balance. That’s the total amount you’ll owe.
Credit card can be an expensive way of borrowing. You should try to pay your balance in full every month. If you don't do this, you will be charged interest on your balance, unless you have an introductory offer. If you can't make a full balance payment, you should try to pay the minimum payment. Missing a payment all together can result in interest and charges and is likely to affect your credit score.