when you swipe your hand through someone's ass like a credit card. THEN smell hand and say "wow, you've been approved"
You have just been Credit Checked!
When you are golfing with your buddies, it is the act of slamming on the gas when one buddy is half in the golf cart and the hand rail from the cart slams and slides through said buddies ass crack resembling the act of sliding a credit card.
**If you are really couragous, you can dare to try the infamous "Credit Fraud". Which is the act of credit checking not only the passenger, but also the driver(you).
Shamus: "ah man Ryan surprised me with the ol' Credit Check on the 9th hole!"
Jon: "i totally pulled off that Credit Fraud on the 13nth, but paid for it with a bogey!"