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The proper way to use 信用卡 (xìn yòng kǎ) in a sentence is to use it as a noun. For example, you could say "我有一张信用卡 (wǒ yǒu yī zhāng xìn yòng kǎ)" which translates to "I have a credit card". 信用卡 (xìn yòng kǎ) is a noun and is used to refer to a credit card. It is not used as a verb or an adjective.
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