A Credit card (n.) is a convenient device that saves you the trouble of counting your change.
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A Credit card (n.) is a financial device that enables people who own more, to owe more.
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A Credit card (n.) adds to your credit, but adds even more to your creditors.
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A Credit card (n.) sometimes adds to the high cost of living, but more often to the cost of high living.
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The Credit card (n.) is so pervasive that while formerly if you paid cash, people presumed you were thrifty, nowadays they presume your credit is no good.
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A Credit card (n.) fattens the wallet before it thins it.