To your first Q:
It's a fuel credit card.
To your last Q:
Nothing to do with IFR or VFR (at least here), but whether you are flying the a/c by sole reference to the instruments. Except for the early part of the T/O and the last part of the approach/landing, you will be, even in VMC.
[This message has been edited by Hew Jampton (edited 23 October 2000).]