In general, any credit sales agreement in which the predetermined amount, plus any financing costs, is fully reimbursed on a given date. Most home and auto loans are contracts concluded. See related questions about mortgages &Home Equity and Personal & Auto Loans. Typically, a four-digit number or word, the PIN is the secret code given to credit or debit card holders so that they can access their accounts. The code is either randomly assigned by the bank or chosen by the customer. It aims to prevent unauthorized use of the card when accessing a financial services terminal. These agreements are a safe type of financial transaction. Several companies use these agreements. A debit card allows the account holder to access their money electronically.