Answer :
Credit card are not a form of money because, credit cards just extend a loan.
A credit card is a type of payment card that is given to customers (cardholders) to allow them to pay a merchant for products and services based on the amount of debt they have. accumulated. The credit card issuer creates a revolving bank and gives a line of credit to the user, wherein the cardholder can borrow more money for payments to a retailer or as a payday loan. A sort of credit agreement offered by banks is a credit card, which enables users to borrow money up to a which was before credit limit. Consumers can use it to transact in the procurement of products and services.
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