When you go to the checkout line at a grocery store or when it is time to pay the bill after eating dinner at a restaurant, payment is as simple as handing over your credit card to the cashier or waitress, and with a quick swipe or scan, your debt is paid, and you are on your way. You don’t even need to carry physical paper money as that tiny plastic card is connected to your bank account where you can see your total amount as well as all your transactions at your fingertips on your smartphone. Credit Cards are extremely common in the United States today, in fact, about 79% of Americans have one. But how did we get here? Where did the idea of a credit card come from and what led to its creation? The history and background behind credit cards is actually a long and interesting history that dates all the way back to the earliest forms of trade in human history and the creation of the concept of credit. It is safe to say that credit cards have come a long way before becoming the convenien