ILetter of Credit (LC okanye L/C) luxwebhu lwebhanki oludla ngokukhutshwa ngesicelo somthengi, luthembisa umthengisi ngentlawulo ukuba iimeko ezithile ziyafezekiswa. Le miqathango idla ngokuhambelana nokubonelelwa kwamaxwebhu athile ngokuhambelana nemigaqo ekwileta. Esi sixhobo sihlala siqeshwe kurhwebo lwamazwe ngamazwe ukunciphisa umngcipheko phakathi komthengisi kunye nomthengi, ngokukodwa ngenxa yesithuba sexesha elikhulu phakathi kokugqitywa kwesivumelwano kunye nokwamkelwa kwempahla.
Kwiimeko apho umthengi engakwazi ukuhlawula, ibhanki, okanye inkampani yenkxaso-mali ebandakanyekayo ekuxhaseni imali yorhwebo, ithatha uxanduva lokuhlawula imali, ngaloo ndlela iqinisekisa ukhuseleko lomthengisi. Ibhanki okanye inkampani yenkxaso-mali iya kuthi emva koko ibuyise imali kumthengi ngokwemiqathango yokuhlawula. Iileta zekhredithi zinokuba neefom ezahlukeneyo kwaye ziphantsi kweemeko ezahlukeneyo ukuze zisebenze iinjongo ezahlukeneyo.