There is no limit on the time when the credit card can be used, but the bank will always monitor when the user uses the credit card. It is best to use it between 8 am and 9 pm to avoid the bank thinking that the user has cashed out. Most merchants are open during this period. Of course, if users occasionally swipe their cards at 24-hour convenience stores, it will not have much impact.

Are credit cards currency?

No. Money is a tool for measuring prices, a medium for purchasing goods, and a means of preserving wealth. It is a contract between the property owner and the market regarding the right of exchange. Essentially, this is an agreement between owners. But credit cards are different. They are not equivalents and do not measure value, but are just a means of value transfer and a carrier of money.