American credit cards originated in America in the early 20th century. They are made of metal, and their distribution targets and use places are quite limited. 195 1 year meal card came out, which laid the embryonic form of modern credit card. At that time, the cardholder only needed to show the card when spending, and Diner's Card Company paid for the account and then charged the cardholder money. Because of convenience, credit card business has gradually expanded to hotels and airlines, and card issuers have also expanded from Dinka Company and American Express Company to banks.