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Fun Facts
The credit card industry is a cornerstone of modern consumer finance, with Americans holding over
hundreds of millions of active credit card accounts. The term “credit” comes from the Latin word
“credere,” meaning “to believe” or “to trust,” reflecting its role in facilitating transactions and
building financial trust. The first recorded credit instruments in the U.S. date back to the early 20th
century, when retail stores and oil companies issued charge cards to their loyal customers to encourage
spending. Today, the credit card sector encompasses a wide range of services, from everyday purchases
and travel bookings to rewards programs and cashback offers. It employs thousands of professionals,
including risk analysts, customer service representatives, and product developers, who work to enhance
user experience and ensure secure transactions. For many individuals, responsible use of credit cards
helps establish strong credit histories and access a variety of financial benefits.