信用卡是一种货币形式。这是对还是错？为什么？关于信用卡的一个有趣且不寻常的问题！让我们来看看什么被认为是金钱以及信用卡适合的地方。在文章中，美国的人均货币供应量是多少？我们看到货币有三种基本定义：M1，M2和M3。我们引用纽约联邦储备银行的话说：“[M1]包括公众手中的货币;旅行支票;活期存款以及可以写入支票的其他存款.M2包括M1，加上储蓄账户，定期存款低于10万美元，零售货币市场共同基金余额.M3包括M2加大面额（100,000美元或以上）定期存款，机构货币基金余额，存款机构发行的回购负债以及美国居民持有的欧元美元。美国银行的外国分支机构以及英国和加拿大的所有银行。“由于信用卡不属于M1，M2或M3，因此不被视为货币供应的一部分。原因如下：假设我的女朋友和我去购买经典视频游戏，我找到了Atari 2600音乐机的副本，售价50美元。我没有50美元，所以我让我的女朋友代表我支付游戏费用，并保证我会在以后付款给她。所以我们有以下交易：女朋友给店主50美元。迈克让女朋友承诺将来支付50美元。我们不会认为这笔贷款是“钱”的原因有两个：货币，无论以任何形式，通常被认为是一种非常流动的资产，这种资产可以迅速转换为现金或用作现金。我的Barry Bonds棒球卡虽然印在纸上，就像金钱一样，但不被认为是金钱，因为我不能在没有找到会从我这里购买它的人的情况下将其兑换成金钱。我不能去商店购买杂货以换取棒球卡。同样，我对女朋友的债务不会被视为钱，因为她不能用它作为一种钱来购买，找到一个人并不是一件容易的事。愿意以现金换取贷款。贷款是一种将资金从我转移到我女朋友的机制，但贷款本身并不是金钱。当我偿还贷款时，我将支付她50美元，这将是钱的形式。如果我们将贷款视为货币并将贷款作为货币支付，我们基本上将同一交易计算两次。我女朋友付给店主的50美元就是钱。我明天付给我女朋友的50美元是钱，但我今天和明天之间的义务不是金钱。信用卡的工作方式与此贷款完全相同。如果您使用信用卡购买游戏，信用卡公司将立即向店主付款，当您的信用卡账单进入时，您将有义务向信用卡公司付款。此信用卡公司的义务不代表金钱。您和信用卡公司之间交易的金钱部分仅在您支付账单时才会发挥作用。
Credit Cards are a form of Money. Is it True or False? Why?An interesting and unusual question about credit cards! Let’s take a look at what is considered to be money and where credit cards fit in. In the article How much is the per capita money supply in the U.S.? we saw that there were three basic definitions of money: M1, M2, and M3. We quoted the Federal Reserve Bank of New York as stating: “[M1] consists of currency in the hands of the public; travelers checks; demand deposits, and other deposits against which checks can be written. M2 includes M1, plus savings accounts, time deposits of under $100,000, and balances in retail money market mutual funds. M3 includes M2 plus large-denomination ($100,000 or more) time deposits, balances in institutional money funds, repurchase liabilities issued by depository institutions, and Eurodollars held by U.S. residents at foreign branches of U.S. banks and at all banks in the United Kingdom and Canada.” Since credit cards do not fall under M1, M2 or M3 they are not considered to be part of the money supply. Here’s why: Suppose my girlfriend and I go shopping for classic video games, and I find a copy of Music Machine for the Atari 2600 selling for $50. I do not have the $50 so I get my girlfriend to pay for the game on my behalf with the promise that I’ll pay her back at some later date. So we have the following transactions: Girlfriend gives Shopkeeper $50. Mike gives Girlfriend promise to pay $50 in future. We would not consider this loan to be “money” for a couple of reasons: Money, in any form, is generally recognized as a very liquid asset, that is an asset that can be quickly converted to cash or used as cash. My Barry Bonds baseball card, while printed on paper like money, is not considered to be money because I cannot convert it to money without searching for someone who will buy it from me. I cannot go into a store and purchase groceries in exchange for the baseball card.Similarly, my debt to my girlfriend would not be considered money because she cannot use it as a form of money to make purchases and it is not trivial to find someone who is willing to pay her cash in exchange for the loan. The loan is a mechanism in which money will be transferred from me to my girlfriend, but the loan is not money itself. When I repay the loan I will pay her $50 which will be in the form of money. If we consider the loan as money and the payment of the loan as money we’re essentially counting the same transaction twice. The $50 my girlfriend pays the shopkeeper is money. The $50 I will pay my girlfriend tomorrow is money, but the obligation I hold between today and tomorrow is not money. Credit cards work in the exact same manner as this loan. If you buy the game using a credit card, the credit card company will pay the shopkeeper today and you will have an obligation to pay the credit card company when your credit card bill comes in. This obligation to the credit card company does not represent money. The money part of the transaction between you and the credit card company only comes into play when you pay your bill.