Today there are innumerable variations on the basic idea of rotating credit for persons (as issued by banks and honored by a set-up of financial institutions), including the association of confidential label credit cards credit card user, store cards and so on.

Although levels of credit card approval very high in the United States, Canada and the United Kingdom is in the middle of the twentieth century, many cultures have been oriented more money, or develop alternative forms of payment other than cash, such as クレジットカード現金化 or Euro card (Germany, France, Switzerland, and others). In these areas, support of credit cards was originally much slower. It was not until 1990, something like the rate of market infiltration in the United States, Canada or Britain to achieve. In some countries, getting loose ends poor as  to utilize of a credit card system depends on the banking system is measured reliable. Japan remains a very cash-oriented society, with the approval of the credit is limited to the largest merchants, even if an alternative system based on RFID technology in mobile phones has seen some acceptance. Thanks to strict regulations on the banking system overdrafts, some countries, notably France, have been much quicker to develop and adopt smart クレジットカード現金化 that are now considered one of the important features of the fight against credit fraud. Debit cards and online banking services are more widely used credit cards in some countries.

The drawing of the クレジットカード現金 has become a major advertising point in recent years. The price of the card issuer is often connected to the use of the customer's card, financial and customer value. This lead to the appearance of co-branding and affinity cards - which links the card design to the "affinity" (a university or professional association, for example) leading to increased use of cards. In most cases, a fraction of the price of the card is returned to the similarity cluster.