(1) Agricultural products: products of commodity exchange at a certain stage.

(2) Meaning: separated from commodities and fixed as commodities in common equivalents.

(3) Essence: universal equivalence

The meaning of paper money: Paper money is a currency symbol issued and used by the state.

Paper money is just a symbol of money, it has no value, it is not a commodity, it is not a universal equivalent.

Function: It performs the function of circulation means according to the price of the metal currency it replaces.

credit card

Meaning: an electronic payment card with some or all functions such as consumption, transfer settlement, cash deposit and withdrawal, credit loan, etc.

Functions: deposit, withdrawal, consumption, settlement and inquiry.

Function: Simplify the collection procedures, facilitate shopping and consumption, enhance the safety of consumption, and bring many conveniences to cardholders.

So credit cards are not money or universal equivalents.