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Fun Facts
The credit card industry is a pivotal component of the global financial system, with U.S.
households holding over $900 billion in credit card debt. The term “credit” originates from the Latin
word “creditum,” meaning “a loan,” reflecting the fundamental concept of borrowing money for purchases.
The first credit card in the United States was introduced in 1950 by Diners Club, offering a
revolutionary way for consumers to make payments without using cash. Today, the credit card industry
includes a wide range of products, from rewards cards and low-interest cards to cards aimed at building
credit or offering cash back. It employs millions of professionals, including marketers, underwriters,
and customer service representatives, who help manage millions of accounts and provide individuals with
convenient, secure ways to finance their purchases and manage personal debt.