Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
It seems to me that the California Attorney General's Office is probably in the best position to answer your question.
But since "cash, check, or similar means" are not payment options here, you might not be using a credit card "in lieu of payment by" those other methods.