A specialization of both Card and TenderObject. Each instance of CreditCard is a piece of plastic that enables authorized users to spend the card-issuing company's money, drawn as a (usually unsecured) loan through an associated instance of CreditCardAccount (q.v.) under a pre-arranged credit agreement. The credit card company credits the vendor of the purchased goods or services and bills the card user (see Bill_PaymentRequest), usually with interest. See also creditor, agentOwesAgentAmount.