Why is a credit card not counted as money?

1. Credit cards are sometimes called plastic money and are used in place of cash and cheques. 2. They are still a form of borrowing rather than money itself. 3. Credit cards do not replace money, they simply defer the payment to a later date. 4. Limited acceptance and annual fees are inconveniences, not the reason a card falls outside the money supply. _Source: OpenStax Introduction to Business (CC BY 4.0), Ch 15 "Understanding Money and Financial Institutions", section 15.1 Show Me the Money_