This article discusses how debit and credit cards work, including their pros and cons. It ends with some helpful tips and strategies for responsible card use.

Freedom Debt Relief reports that negotiating credit card debt can lead to lower payments, waived fees, or partial forgiveness, allowing for financial recovery.

Some business credit cards offer cardholders instant access to discounts on software that may be useful to their business. Other than discounts, some cards may offer limited-time offers like exclusive free trials or free credits to try out a business-related service.

A credit card dump occurs when a criminal steals a credit card number. This type of crime has existed for decades, but it has seen wider public awareness in recent years due to the rising prevalence of credit card forgeries, identity theft, and other types of cybercrime .