<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31400754</termId><termName>credit cards</termName><termType>PT</termType><termNote><![CDATA[ Cards used to obtain money, goods, or services on credit. ]]></termNote><termCreatedDate>2026-03-30 20:47:44</termCreatedDate><relation><relationType>UF</relationType><termId>31400755</termId><termName>card, credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31400756</termId><termName>cards, credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31400757</termId><termName>charge plates</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31400758</termId><termName>credit card</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31400759</termId><termName>plates, charge</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31359754</termId><termName>cards</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360010</termId><termName>store cards</termName><termType>PT</termType></relation></term>  </Zthes>