function of money

Nowadays one can use a credit card or coins to
make phone calls. The telephones company accepts
the use of credit cards for phone calls because:
(1) credit card is legal tender
(2) credit card is a means of deferred payment
(3) credit card holders are more trustworthy people
(4) the cost of handling coins can be reduced

which two of these are ans?can u explain briefly?
y is the credit card is a means of deferred payment?