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[[1]] are used as a substitute for cash.

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Detailed Solution

Credit Cards are used as a substitute for cash.
Credit Cards are usually accepted as a substitute for not having cash. It is because the bank, on behalf of the consumer, settles the bill with the seller instead of the consumer. It is then recorded in their accounts, and a final statement of all transactions is sent to the consumers by the banks. It is sometimes more convenient than cash, and there is minimal scope for theft. They are bound to be accepted as a substitute for money for immediate payments. Cheques are supposed to be encashed later and do not provide quick payment, while services like Google Pay are not legally bound to be accepted by shops.

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