Why aren’t credit cards included in M1 or M2?

1. Suppose you withdraw $1,000 from your checking account and use the funds to buy a certificate of deposit at your bank. How will these actions affect M1 and M2?
Why aren’t credit cards included in M1 or M2?
2. In a report published in 2009, investment analyst Ned Davis referred to gold as “real money.” Is gold used as money in the United States? What point was Davis making?.