The credit card users are found in several states of India though mostly in the urban areas. Looking at the extensive usage of credit cards among the educated group, the investigator considers that the typical user of cards required to be educated about the various types of credit cards accessible. This research points to observe the experiences of the credit card users, the reimbursement that ensue to them and the problems they countenance. The problems that the credit cards users face in its daily usage. The precautions to be taken by the card users while using the credit cards. The remedies and the redressal that is available to them in case of loss or theft of their cards. An alertness is to be created amongst the credit card users about the frauds that take place and the precautions and safety actions to be adopted. This paper highlights the scope of credit cards in India.