• Purchase by credit card The debtor is the purchaser, who must repay the credit
card company; the supplier is the retailer; and the creditor is the credit card
company, because, under a pre-existing arrangement with retailers (which is
the link between creditor and supplier), the card company pays the retailer for
the debtor’s purchase. Incidentally, this type of transaction would be an
unrestricted use agreement, as the card company does not dictate what the card
is used for.