Multiple choice general knowledge history Who started the concept of Credit card? Steve Jobs Trevor Bayliss Niklas Zennstrom Frank McNamara Reveal answer Fill a bubble to check yourself D Correct answer Explanation Frank McNamara founded the Diners Club in 1950, which introduced the first multipurpose charge card (credit card). Steve Jobs is associated with Apple, Trevor Bayliss invented the wind-up radio, and Niklas Zennstrom co-founded Skype.