It's about acquaintances, facsimile relationships...

"Rather than love, than money, than fame, give me truth. I sat at a table where were rich food and wine in abundance, an obsequious attendance, but sincerity and truth were not; and I went away hungry from the inhospitable board. The hospitality was as cold as the ices."

~Henry David Thoreau
Walden, or Life in the Woods

The subway is symbolic of distance: an inconvenient formality to others, but not him. The credit card represents the recklessness and unauthentic feelings inside a farce relationship. The entire relationship is a lie. Trust me, I'm listening to this song right after I told her i miss her. The Biggest Lie. I don't miss her at all-- 

"I'm tired of dancing on a pot of gold flake paint"