Credit cards have become such a familiar feature of the life style in the world that it is difficult to imagine a consumer economy functioning without them. The credit cards are nowadays the most convenient of all types of payments. The boom of the credit card industry has affected everyone in the world of the "plastic money". That was the name given to the credit card right after it was invented. Nowadays, the "plastic money" occupies a very important place in the economy of the country. "Settlements indicates that the number of credit cards in circulation increased 34 percent between 1988….. The data also show that the value