When gold and silver are used as money, it is impossible for the government to issue them at will like paper money, which will cause inflation, because the stock of precious metals such as gold and silver is limited, and paper money will cause inflation because the central bank can issue them "without restrictions". A credit card is like paper money, but it represents its value just like paper money. At the same time, if possible, credit cards can now completely replace paper money, but its issuance will not be as difficult as gold and silver to alleviate inflation. (personal understanding)