At first, credit cards were not issued by banks, but by department stores, restaurants, entertainment shops and gasoline companies. Some shops and restaurants in the United States are trying to attract customers and expand their turnover. A credit chip, similar to a metal badge, was given to customers selectively in a certain range, and later evolved into a card made of plastic, which was used as a proof of customers' purchase and consumption, and the credit chip was used to carry out credit sales service. Customers can buy goods on credit in the shops and their branches that issue chips and make an appointment for payment. This is the prototype of credit card.

3. 1950, Frank McNamara, an American businessman, invested with his friends and founded Diners Club, the predecessor of Diners Credit Card Company, to provide members with cards that can prove their identity and ability to pay, on which members can keep accounts and spend money. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

4. 1952, National Bank of Cleveland, California, USA issued its first bank credit card. 1959, Bank of America issued an American bank card in California.

Since then, many banks have joined the ranks of issuing bank cards.