Short cutting implement first person acquired using credit card (4)

'credit card' is the definition.
The definition and answer can be both man-made objects as well as being singular nouns.
Maybe there's a link between them I don't understand?

'short cutting implement first person acquired' is the wordplay.
'short' means to remove the last letter.
'cutting implement' becomes 'axe' (axe is a kind of cutting implement).
'first person' becomes 'me' (first-person pronoun).
'acquired' indicates putting letters inside (inserted letters are acquired by another word).
'axe' with its final letter removed is 'ax'.
'ax' going around 'me' is 'AMEX'.

'using' acts as a link.

Can you help me to learn more?