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This web page iamokcredit.blogspot.com states the following, "Sunday, January 6, 2008." We saw that the webpage said " When a purchase is made, the credit card user agrees to pay the card issuer." It also said " The cardholder indicates their consent to pay, by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a Personal identification number PIN. Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a Card not present CNP transaction." The header had credit cards as the highest ranking optimized keyword.