b) Diners Club

The first credit card in the United States was introduced by Diners Club in 1950. Founded by Frank McNamara, Ralph Schneider, and Matty Simmons, Diners Club issued a charge card that was initially accepted by multiple New York City restaurants, allowing members to charge their restaurant bills. This innovation marked the beginning of the modern credit card system and revolutionized the way people transact. The Diners Club card’s success led to the widespread adoption of credit cards, permanently altering the financial habits of American consumers and businesses.