Why$$ aren't credit cards included in M$1$ or$$ M$2?$

A$.$

Credit is not a form of$$ money, since it is a liability that is owed to the owner of the card.

B$.$

Credit is not a form of$$ money, since it is a debt that is owed to the issuer of the card.

C$.$

Credit is not a form of$$ money, since it is a debt that is owed to the owner of the card.

D$.$

None of the above.