The word interest rate has a lot of uses and applications in economics and finance, but basically implies the same meaning: "the price of money through time".

Credit cards have become a convenient, fast and easy way to pay and have money to purchase goods and services.

Have you had any plans or unexpected situation that requires more money than the one you have?
One possible solution is to ask for credit.

There are said to overhang when a person or family has contracted debts in excess and beyond their ability to pay.