[Avodah] Credit cards and kinyonim

[Marty Bluke]

I am struggling as to how to fit in credit card purchases into a halachik
framework. The question is when I buy something with a credit card what is
the kinyan?
Everyone agrees that kesef, money, does not work to acquire metaltlim so
even if a credit card is kesef it shouldn’t work. Additionally, credit
cards would seem to not be kesef as the buyer is not actually paying
anything, the merchant when he swipes the card receives a promise from the
credit card company that it will pay him. The buyer is not paying the
seller anything.
The other option is situmta which is whatever is common practice to close a
deal is considered a kinyan.
However, if we go with situmta then basically we can ask why does the Torah
have this elaborate set of kinyonim and so much Torah is devoted to them
when they are basically irrelevant and have been superseded by a man made
system?
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