Credit card in Nigeria is as useless as the word useless. Except if you live in one of these first eorld countries, meanwhile if you want to know more about credit card kindly check credit Card Trend

Credit card works based on the terms of aggreement. Some credit card are secured credit card, while other are rewards credit card etc, the secured credit card is that type of credit card where you will have to make an initial deposit, most Nigerian Credit card are secured credit cards..

Check out - https://creditcardtrend.com/category/credit-cards/

Simple. A credit card works as an extension of your credit line.
Ok, in simple terms, it's like using your FUTURE funds NOW. Services are delivered to you and you pay with your Creditworthiness.

Now, one credit card does not foot all your credit needs.

You have different credit cards for different uses.
E.g - A Jeep Card for your Car Tire needs, a Firestone credit card for your total car maintenance

Now, You have some cards that are only accepted in Shopping Malls while some are strictly for Students.

As a matter of fact, some cards are strictly for Pilots!

Unlike in this part of the world where you use DEBIT CARDS (Which you need to fund before using), A CREDIT CARD can be USED before funded - Thats call CREDIT.

I hope that's simple enough.