1. Can a cardholder borrow money to pay to merchant?
2. Can combine cards combine payment services with extensions of credit?
3. Credit cards can’t combine payment services with extensions of credit.
4. ...from which the cardholder can borrow money...
In other words credit cards combine payment services.
1 пустое не знаю что, там же на выбор?
5. A cardholder can’t borrow money to pay to merchant.