A credit card is a system of payment using a small plastic card issued to users to be able to buy goods and services on credit. It is a form of borrowing where the credit card provider lends money to be able to "buy goods now and pay later" (buying on credit). To check if customer had problems repaying debts, the credit card provider normally conducts a background check or a credit check. Cash advances may also be drawn at bank cash machines for a fee.