- All (or almost all) holders of credit or debit cards issued by foreign banks are non‑residents and, all holders of credit cards issued by resident banks are residents
- All non‑residents using credit or debit cards issued by foreign banks are visitors
- In most transactions, payment is by credit or debit card, or with cash withdrawn from an ATMATM
4.66. Such an approach would require agreements with the local managers of international credit card companies in order to establish what kind of information might be collected and under what conditions it might be provided to the tourism administration, with all the guarantees needed to protect user identity.