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if you look at 15 U.S code 1602l in the truth and lending Act let me pull it up for you the definition of a credit card is any carb a coupon book or other credit advice existing for the purposes obtaining money property labor or services on credit whenever you go and get a go to the dealership and get a car they ask you for your ID your um social security number it is a card that you use to obtain money property labor Services you use your social security number you use your driveramp;#39;s license top two you you are extending the credit the credit starts with you