Credit cards are considered to be "money substitutes" instead of money because

Question

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Credit cards are not considered actual money because they do not have intrinsic value and must eventually be paid off with actual money. Credit cards only serve as a temporary medium of exchange and are not a store of value in themselves. While credit card accounts are not chequable, this is not the defining characteristic that makes them money substitutes.

Credit Cards Are Considered to Be "Money Substitutes" Instead of Money