Situation 3 does not represent a function.
This is because the total amount of money charged monthly on credit cards could vary widely depending on the spending habits associated with each individual credit card, and multiple credit cards can have different usage patterns that don’t correlate directly to just the number of credit cards owned. Therefore, it is possible to have the same total amount charged with varying counts of credit cards, which violates the definition of a function where each input should map to a single output.