### positive identification:

Credit card
* Get out of the habit of using credit cards.
* Keep a list of names and addresses of issuing company, plus card number, if any.
* Many credit cards offer a variety of benefits associated with car ownership and automobile travel.
* Most credit cards use a calendar month.
* Some credit cards have annual fees and high interest rates
  - background design that rubs off if anyone tries to erase the signature
* Some credit cards offer insurance coverage to their customers as part of their services
  - their holders health and travel insurance
  - permit the withdrawal of cash only from their own respective branches or ATMs
  - provide car rental insurance for certain car types
* allow consumers to buy now and pay later
  - payment to correspond with consumption
* are a fact of life for college students
  - good way to keep records for budget and tax purposes
  - modern form of indentured servitude
  - secure way of purchasing goods and services
* are also a convenience in modern society
  - convenient way of transferring funds
  - among the most expensive form of credit
* are an easy source of cash, but typically charge high interest rates
  - easy, yet expensive way to finance business expenses
  - important part of enabling Internet commerce
  - basically mini-loans in plastic form
  - both a symbol and enabler of our modern consumerist economy
  - common among university students in the United States
  - consumer credit
  - especially important on the Internet
  - generally unsecured loans
* are loans in disguise
  - with extremely high interest rates
* are located in drawers
  - envelopes
  - purses
  - wallets
  - major pieces of identification
  - now the preferred means of entrepreneurial finance
  - of several types
  - somewhat like cars in that there are a million deals for the same product
* are the currency of the Internet
  - fastest, most efficient way to make payments, especially for online services
* are the most common type of revolving account
  - timely method of payment for electronic filing
  - normal accepted method of payments over the internet
  - number one way to earn miles without flying, followed by telephone usage
  - only form of payment via the web
  - payment option of choice on the Internet
  - pillar of consumerism
  - predominant and safest method of moving currency over the Internet
  - preferred form of payment for foreign subscriptions
  - wave of the future
* are used for age verification
  - charging
  - payings
  - shops
* are useful for financial emergencies and for establishing financial credibility
  - in emergencies
  - useful, especially for emergencies
  - weapons
  - what people use when they discover the buy now, pray later plan
  - widely available and used for retail transactions
* can provide an extra source of money to use for unexpected expenses.
* checking programs work to check card numbers by following a detailed series of actions.
* have credit limits.
* help with travel expenses and emergencies.
* illustrate the two faces of fast, financial fixes.
  - the most common form of payment for goods over the web
* offer convenient ways to spend money without counting out cold cash.
* permits the purchase of goods even when funds are low.
* provide consumers more protection than cash or check.
* represent a line of credit from the bank that issues the card.
* save overseas subscribers calculating remittances and exchange rates.
* vary widely in their charges and how fees are calculated.