Explain whether credit cards can be considered money

Money is an essential component of our lives. Paper currency has no intrinsic value, but it is used as money because the federal government has designated it to be legal tender and it satisfies the key functions of money. For this discussion, list the four key functions of money. Then, identify one commodity and discuss whether it can be used as money. Explain your reasoning. Explain whether credit cards can be considered money. Finally, evaluate how a change in the money supply would affect the economy, including interest rates, inflation, and unemployment.

This should be a minimum of 300 words.