What are these things? Why do banks need to use them?
There is the slogan; “for everything else there’s MasterCard”. As user of cards does this awareness benefit me I’m any way when I don’t have a choice in what card I get as it’s up to my bank?
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It’s so you can buy things you need and pay them back over time, or to have an emergency amount of money if needed.
You can also change bank, or open a second, third or even fourth account. There is no legal limit of any kind that ties you to a single bank.
So you can pick whatever card company you like and open an account with a corresponding bank
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