Personal credit cards are financial tools that allow individuals to borrow money from a bank or financial institution to make purchases. Users can spend up to a predetermined credit limit and are required to pay back the borrowed amount, usually on a monthly basis. Interest rates may apply if the balance is not paid in full by the due date. These cards often come with various features, such as rewards programs, cashback offers, and introductory bonuses. Responsible use of personal credit cards can help build a positive credit history, which is important for future financial endeavors, like applying for loans or mortgages.