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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.
This sped the process of copying, previously done by handwriting.A credit card also differs from a cash card, which can be used like currency by the owner of the card.A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.Bellamy used the term credit card eleven times in this novel, although this referred to a card for spending a citizen's dividend from the government, rather than borrowing.Charge coins and other similar items were used from the late 19th century to the 1930s.This sometimes led to a case of mistaken identity, either accidentally or intentionally, by acting on behalf of the charge account owner or out of malice to defraud both the charge account owner and the merchant.
Beginning in the 1930s, merchants started to move from charge coins to the newer Charga-Plate.
In 1938, several companies started to accept each other's cards.
In the 1940s, oil companies in the United States used them to sell fuel and other oil based products to a growing number of automobile owners. It was a 2½" × 1¼" rectangle of sheet metal related to Addressograph and military dog tag systems.
Charga-Plates were issued by large-scale merchants to their regular customers, much like department store credit cards of today.
In some cases, the plates were kept in the issuing store rather than held by customers.
When an authorized user made a purchase, a clerk retrieved the plate from the store's files and then processed the purchase.