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Credit card
CREDIT CARD

Definitions:

i. A small plastic card that you can use to buy goods and services and pay for them later.

ii. (informal) A bank-issued, bank-backed electronic payment instrument, used for the settlement of incurred bills, whether on goods, services or a security, at a later or future time or date.
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* All thirteen elements should be in.


1. Purposeful and necessary, especially for holder.
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GOLD ...
Below the Line
1. Finger-print enabled. That is, useless to a thief, when or if stolen; not transferable, in other words, completely secured and safe.

2. Issued by a 'solid', healthy bank.

3. Has the lowest possible rate of interest (charges), including or from zero percentage point or interest-free.

4. Its expiry date is not close by. That is, valid for as long as required ... and always renewable, until the bearer dies (connect to #1 further below the line).
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PREMIUM, SILK, SILVER, EMERALD, ...


5. Not usable for the purchase of illegal or banned item(s) or good(s). That is, specific transaction-based instrument.

6. Accepted globally, that is, automatically 'converts' to a (the) major currency in the country of use, when necessary.

7. Earns possible extra rewards, bonuses etc.

8. (Reserved.) (Not allowed or usable as an identification card!)
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DIAMOND.


further below the line


1. Used or usable only when owner's account is in sufficient credit balance (see definition, to emphasize).

2. 'Wallet-sized', durable, pictorially embossed (if possible), etc., etc. (connect to #1 below the line).

3. Possessed, fully owned.
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PLATINUM.


much further below the line


1. Serves purpose(s) - withdrawal, pay-in, payment(s), account statement, etc.: all-purpose.
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* WHATEVER NAMED !

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