Using Credit Cards In Edward Bellamy's Looking Backward

The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward. In the novel, Bellamy used the term credit card eleven times. But it is actually referred to a card for spending a citizen's dividend from the government, rather than borrowing. In 1800s, consumers and merchants used credit coins and charge plates as currency for exchanging the goods through the concept of credit. However, it wasn't until about half a century ago, the things that they used to make a credit transaction such as credit coins and charge plates was replaced by a plastic card. The plastic cards that use for payment we know them today as a credit card and it became a way of life.
According to Stan Sienkiewicz,