A credit card is a payment card that is provided to users (cardholders) to allow them to pay a merchant for products and services based on their existing debt. The card issuer (typically a bank or credit union) opens a revolving account for the cardholder and extends a line of credit from which the cardholder can borrow money for merchant payments or cash advances. Consumer credit cards and corporate credit cards are the two types of credit cards available. The majority of cards are made of plastic, however others are made of metal (stainless steel, gold, palladium, titanium)