Now you can use your cell phone as a credit card instead of using a credit card or paying with a credit card. This new product is on the phone it's called Zetawire it's on the new iphone 5. This can even come with an NFC chip, many people think that if they can use a NFC chip in their phone that they can just make payments on all of their phones if they get the chip, but they don't have it set up just yet to do that, you have to get the certain phone in order to make payments on your phone and using it as a credit card.