The Verve card is the new InterSwitch debit card now with the Chip and PIN. Verve is the new name of the more secure and convenient InterSwitch card which with the introduction of chip and PIN makes...
Credit Cards are a type of charge card. American Express is a charge card brand that offers both credit and debit cards. It depends on the account type of the person using it.
Sure, but to have the card and not use it does NOT improve your credit rating. If you amass too many credit cards - even if you never use a single one of them - it decreases your credit rating...