Which retail innovation, introduced in 1950 by Diners Club, revolutionized payment systems and is considered the world's first widely used charge card?

The retail landscape has transformed dramatically throughout history, with innovations changing how we shop and pay for goods. Before digital payments and online shopping, retail pioneers implemented revolutionary ideas that shaped modern commerce. This trivia question explores a pivotal moment in retail payment system history that forever changed how consumers interact with stores and manage their purchases.

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The Diners Club Card, made of cardboard and used exclusively for restaurant payments
The Merchant Express Card, used primarily for department store purchases
The American Shopper Card, which required full payment within 7 days of purchase
The National Credit Token, a metal coin-shaped device that stored customer account information