Key Points A credit card is, effectively, a revolving credit facility for individual consumers. That credit line is extended by the banks issuing credit cards. Credit card companies like Visa and Mastercard are toll takers, facing little to no credit risk. 10 stocks we like better than Mastercard › If you open up your wallet, you will likely find you have cards with the logo of either Visa (NYSE: V) or Mastercard (NYSE: MA) emblazoned on them. Go into just about any store or restaurant, and you w ...