A personal credit card is a financial tool that allows individuals to borrow money from a bank or financial institution to make purchases. Users can spend up to a predetermined limit and are required to pay back the borrowed amount, usually on a monthly basis. Interest may be charged on any unpaid balance, making it important to manage spending wisely. These cards often come with various features, such as rewards programs, cashback offers, and introductory bonuses. Responsible use of a personal credit card can help build a positive credit history, which is essential for future financial endeavors like applying for loans or mortgages.