Credit cards allow customers to borrow a certain sum of money to pay for things, but there are limits on the amount of money that can be borrowed. At the end of each month, a customer will have to pay back all or part of the sum that has been borrowed. Today, credit card owners use the Internet more often than ever before. Credit cards enable their owners to make purchases by Internet, when needed. However, here is one problem: a person who makes purchases from an Internet store cannot always be sure that the product he/she has ordered will be delivered in a good condition. In most cases, when cash is used, buyers see the goods they buy, they can touch them, smell them, etc. With cash, individuals see exactly what they want to buy (Panurach, 1996).