Coins - money
Gift card - money
debit card - money
checks - money
currency - money
credit cards - credit
loans - credit
Anything is considered money (or can be used as cash) if the amount is readily available (the balance on a gift card has already been paid for or the money in the bank covers the amount of the check)
Anything is considered credit if you can take the item now and physically pay for it later (buy on credit card and take the merchandise but then pay the credit card off at a later time)