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Well Yes by the true definition Interstate Commerce would be in affect if you use your credit card to make a purchase outside of your own state. If you make a purchase using a credit card within your state, Interstate Commerce Laws would not affect you but may affect the Credit Card Company.

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Q: Is the use of a credit card considered Interstate Commerce?
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Yes - a credit card can be used all over the world - providing the retailer accepts the card (which most do !)


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