The first credit card was issued in the 1920s. Several U.S. oil companies came up with the idea of ??issuing a card that would allow customers to buy gasoline and pay for it later. It was a simple and practical idea, but it did not catch on for a long time. Another early credit card was the Diners Club card, issued in 1950 by Ralph Schneider of New York. The card allows club members to dine at 27 New York restaurants. Initially, these credit cards could only be used in a very limited number of consumer locations. But Schneider soon came up with the idea of ??extending the card's availability to retail stores and wholesalers. Soon someone was designing a "universal" card that worked almost everywhere. In 1958, the first bank card, Bank of America's "Banca America", was adopted. Credit card symbols are now so familiar that they have become an international language. Banks around the world display the credit cards they accept. Another important invention, the computer, made possible the widespread use of credit cards. By the mid-1950s, computers were first used in business, which meant that customer accounting information could be easily gathered together and stored. Since then, many other inventions have made credit cards more secure and easier to use, such as the idea of ??adding a magnetic strip to the card, which could contain information such as the customer's identity and ID number. Cards like this are now used in a variety of ways like bank loans to cash in, guaranteed checks, and of course, as was originally intended, to make purchases with the card. Self-service banking is inseparable from credit cards. There is an interesting anecdote about the origin of the invention of credit cards. One day in 1950, American banker Ralph Shader invited a group of celebrities to have dinner at a large hotel in New York, and the dishes were in a mess. When he was about to pay the bill, he suddenly felt something bad. It turned out that he had forgotten to bring his wallet! One can imagine the awkward and awkward appearance. After returning home, Ralph was still haunted by the ugly behavior that night and could not forget it. Learning from the past, how can we prevent it from happening again in the future? After careful consideration, he found a group of wealthy businessmen to discuss the big plan. Finally, they came up with a perfect way to eat, drink and have fun without having to bring money while raising their social status... This is to organize a "supper club", which stipulates that all club members can use credit cards to settle accounts at 27 restaurants in New York. Meal consumption. Cardholders do not need to pay cash, they only need to present their credit card and sign the bill for confirmation, and the restaurant will collect the payment through the bank. This move was really popular, and members came in droves.