Time limit questioning is a ridiculous device only a congress of idiots could come up with. How the fuck is anyone supposed to do a serious investigation this way? Imagine if a police detective had only 5 minutes to question a suspect. Would anyone, besides a criminal, consider that a sane procedure?
Credit cards are voluntary.
I don't have one.
I also don't have a "smart"phone leash on my person.
Whenever possible i buy with cash which doesn't leave a paper trail.
This is all easy to do.