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Your Visa card is not a payable, it is a line of credit regardless of how you use it. The fact that it has a grace period doesn't change its nature. A/P is interest free credit extended by one company to another.

Well, if instead of being just me, I am North American Veeblefetzer Corporation and I buy a 1000 Xeon CPU chips from Intel, and I am favorably rated in D&B so they extend me credit, then that is a liability but not a debt, because they are not charging me interest.

But what is the distinction between Intel extending N.A.V.Corp the credit directly and having Visa do it instead? Because, if I understand you, if Intel extends the credit directly it is A/P and not debt, but if there is a middleman it is debt.

Now time goes by and I do not pay Intel. So they start sending me reminders, and eventually will they not start charging interest and possibly fees? If they do, is it not now a debt (though possibly not long term unless Intel are more patient than I imagine they are). And if this goes on over a year, is it not (original amount + interest and fees) now a long term debt?

Eventually they call in the lawyers and sue me, of course. And those expenses are something else.
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