Credit cards and debit cards function as forms of money, providing short term loans and direct fund transfers respectively.
Credit card is an example of money. It functions as a short term loan from the credit card company to the user. When a purchase is made with a credit card, the company immediately transfers funds to the seller, and the user later settles the debt when the credit card bill is due.
Similarly, a debit card instructs the user's bank to transfer money directly from the bank account to the seller. In contrast, a check is a paper order for the transfer of money from a bank account.
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