Possible Clues:

• Misusing it may cause bad credit
• Thing to swipe at a store
• One way to fix bad credit?
• Payment facility invalidating bad credit
• Some plastic surgeon perhaps to operate - one place to rest back
• Visa offering
• Strange man following one type of society girl after another with means of accessing funds
• One way to pay
• Quick, cashless way to pay for things
• Girl's with it, character providing alternative to cash