Credit Card

The Credit Card (クレジットカード Kurejitto Kādo) is an item that debuted in the original Kid Icarus.

Kid Icarus
Having the chance to appear in Treasure Chambers should Pit open all of the pitchers without encountering the God of Poverty, the Credit Card allows the player to purchase items from a Black Marketeer without the full amount of hearts required.

Once used, Pit is granted the requested item and his hearts will be depleted to zero. Until he can pay back his debt, Pit will be unable to add more hearts to his total or buy additional items.

Kid Icarus: Of Myths and Monsters
Functioning slightly differently than before, Pit can trade this item to a Black Marketeer in exchange for one of his items.