“but if one needs a psak I will always opt for asking a Rov, not the CR.”
Yes that goes without saying.
Joseph isn’t looking for a psak. The story isn’t real, it Pesach is still a few days away. It is just an interesting discussion .
That said, this discussion isn’t particularly interesting (to me) as it seems to be a befeirish mechaber and MB
http://hebrewbooks.org/pdfpager.aspx?req=14165&st=&pgnum=56
484:2 MB 4-5
Metaltelin are not aquired by kesef so the fact that it was paid for is irrelevant (even assuming credit card counts as “kesef”)