Texas doesn't have a bottle deposit.
Bobby steals Hank's credit card under the assumption that he won't notice it's gone because he never uses it, since it is hidden in a drawer in a box. When the credit card company calls Hank to inform him of the unauthorized charges, Hank exclaims that the card has never been used. Credit cards that are inactive for extended periods of time are closed, leaving an impact on the user's credit score. Hank's credit card should have been considered inactive if he never uses it, meaning Bobby would not have been able to make purchases with it as it would have been closed.