Which payment innovation, first introduced in 1950, fundamentally transformed retail by allowing consumers to 'buy now, pay later' and is considered the precursor to modern credit cards?

The way we pay for products has evolved dramatically throughout history, revolutionizing retail and commerce. From ancient barter systems to today's contactless payments, each innovation transformed not just how we shop, but the entire structure of economies and societies. This poll tests your knowledge of one pivotal moment in payment technology history that forever changed retail landscapes worldwide.

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The Diners Club card, launched by Frank McNamara after forgetting his wallet at dinner
The American Express Traveler's Cheque, allowing tourists to make purchases abroad
The Charge-It card by John Biggins, which required users to deposit funds before spending
The Bank of America's BankAmericard, the first revolving credit financial system