Nowadays, credit cards are an option for various groups especially those who have worked. How many of you at least have one credit card in your wallet? According to Oxford Advanced Learner 's Dictionary, Credit Cards are small plastic cards that allow their holders to buy goods and services on credit and pay at regular intervals. Credit Cards also can be defined as payment cards issued to the user (cardholder) that allows the cardholder to pay the merchant for goods and services, the cardholder promises to the card issuer to pay them for the amount paid plus the agreed upon fees. The concept of using cards for purchases was illustrated in 1887 by Edward Bellamy in the Utopian Looking Backward novel. Bellamy uses eleven credit card terminals in this novel, though this refers to a card to spend a citizen dividend from the government, rather than borrowing. According to Encyclopedia Britannica, "the use of credit cards originated in the United States in the 1920s, when individual firms, such as oil companies and hotel chains, began issuing them to customers." However, the creator of the first bank that issued credit cards was John Biggins from Brooklyn 's Flatbush National Bank in New York. In 1946, Biggins created a "Charge-It" program between bank customers and local dealers. The way it is done is that traders can deposit sales to banks and banks to cover the customers who use the card. In Malaysia, credit cards were introduced in the mid-1970s (Loke, 2007). In the early