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The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward.

This sped the process of copying, previously done by handwriting.

It also reduced the number of errors, by having a standardised form of numbers on the sales slip, instead of various kind of handwriting style.

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A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services, based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other agreed charges.

Each charge coin usually had a little hole, enabling it to be put in a key ring, like a key.

These charge coins were usually given to customers who had charge accounts in department stores, hotels, and so on.

A charge coin usually had the charge account number along with the merchant's name and logo.

The charge coin offered a simple and fast way to copy a charge account number to the sales slip, by imprinting the coin onto the sales slip.

It held a small paper card on its back for a signature.

In recording a purchase, the plate was laid into a recess in the imprinter, with a paper "charge slip" positioned on top of it.

The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

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