A credit card enables internet users the ability to make online purchases. There are many different cards that are accepted for payment including Visa, Mastercard, Discover, and American Express as well as PayPal, Venmo, Wise, Payoneer, Zelle, and Cash App.

While many of us think of a credit card being a thin rectangular piece of plastic or metal issued by a bank or financial services company, things have changed to where a credit card account can be used without the traditional card.

The responsible use of a credit card can have a direct impact on improving your credit score.

Spend wisely, pay promptly.