A credit card should not be identified with a consumer loan. No Bank will issue a consumer loan for a loaf of bread, cvvwithpinand with a credit card you can easily afford «bread on credit».
Credit on the card usually lasts no more than two years (unlike consumer loans, which can be issued for up to seven years). This period is determined by the obligation to repay the amount of at least a set percentage of the debt (usually 5-10%) plus accrued commissions and interest on a monthly basis. Non-payment of the minimum payment is a violation of the agreement, delay and damage to the creditferumcvv history.