In contrast, credit card and cash difference in some cases like convenient alternatives and when people want to buy online. Both cash and credit cards are convenient to buyers. However, credit cards are more convenient than cash for large purchases. Carrying large sums of cash is not only inconvenient but also insecure. Credit cards save buyers from long queues in banks to withdraw cash and allow them to pay for goods and services at any time. Most stores accept credit cards even for small payments. A credit card helps the user build his or her credit history. Consistent and timely payments of credit card bills give the user a high credit rating.