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To do this, many or all of the products featured here are from our partners. Our opinions are our own.“‘Someday,’ he predicted, ‘restaurants all over New York will honor this card,’” former Diners Club executive Matty Simmons recalled Mc Namara telling him early on.Simmons recounted the conversation in his book “The Credit Card Catastrophe.” Mc Namara was right about the future, and then some. consumers now report carrying a credit card, according to a 2014 survey from the Federal Reserve Bank of Boston, the most recent data available. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research.It promised cardholders convenience — only one monthly bill for dining expenses! These cards required payment in full each month, so today we’d call them “charge cards.” But at the time, they were called credit cards.Among the flurry of credit cards launched in 1958, Bank of America’s was the most innovative.

It charged merchants a 7% fee on each transaction, but assured them that cardholders would spend more than noncardholders.the consumer is almost never told of the cost of debt in terms of true annual interest,” author Hillel Black wrote in the 1961 book “Buy Now, Pay Later.” Lenders used several different methods of calculating interest, some of which disguised exorbitant rates.Some quoted monthly interest rates, while others used annual rates. In 1968, the Truth in Lending Act — part of the Consumer Credit Protection Act — standardized methods of calculating annual percentage rates, or APRs.It also allowed some customers to revolve balances, a novelty at the time, according to Evans and Schmalensee.Bank of America introduced the card with an unforgettable — and incredibly expensive — publicity stunt: It mailed 60,000 already-activated Bank Americard credit cards to its customers in Fresno, California.

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