A credit transaction enabled cell phone has its back removably attached to a plate by a double-sided tape or clamps. The plate is attached to a hinge, which carries a U shaped credit card retainer second element. A credit card is carried by the credit card retainer second element in between the two arms of the U shape. The interior surfaces of the arms of the U shape are rubberized, and apply compressive forces to the credit card, securing the card by friction. The hinge may be opened from the closed transpiration position to extend the credit card from the cell phone, and swiped in a swiping credit card reader, using the cell phone as a handle. The credit card may be extracted from the U shaped credit card retainer and used for manual imprint or with an automatic credit card reader, and replaced after use.