If she had her credit card, why would she making a collect call, as Olson stated she did.
In subsequent interviews he changed his story and said she called from her cell phone and that the hijackers had box cutters.
If memory serves, Mrs. Olson made two phone calls. I seem to remember that Mr. Olson said the second one was the collect call because Mrs. Olson may have given her cell phone to other passengers to use to call home.