The credit card was a financial instrument known to Ancient Earth, invented in the 20th century on Earth. It allowed one to defer payments until later.
The Monagh made use of credit cards to award scholarships based on how many credit cards its recipient possessed. Monagh scientists funded their communicator research by using credit cards. Also, it was outlawed by the Hydran Kingdom while the Interstellar Concordium allowed it. (RIS Bouteina: "Credit Card Scholarship")
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