Potential answers for "Uses a credit card, say"

⭐⭐⭐⭐ PAYS
⭐⭐⭐ MAXES
⭐⭐⭐ SWIPES
⭐⭐⭐ RUNSATAB
⭐⭐⭐ REDEEMS
⭐⭐⭐ CHARGES
⭐⭐⭐ AMEX
⭐⭐⭐ NOCASH

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Churchgoing man   NYC's Prince and King, e.g.   Abbr. in the personals