A credit card is a card issued by a financial company giving the holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short-term financing.
The card caters for not only internet and telephone shopping but also to purchase goods without having to pay immediately. This gives the user greater purchasing power, but it comes with the cost of paying interest.
Raises average income $0.01 and lowers happiness at least 1 point
Dependent on how many fields of Research are completed.