在与他的两个朋友一起吃饭结束时，麦克纳马拉伸进口袋里拿钱包，以便他可以支付餐费（现金）。他惊讶地发现他已经忘记了自己的钱包。令他尴尬的是，他不得不打电话给他的妻子并让她给他带来一些钱。麦克纳马拉发誓永远不要让这种情况再次发生。合并了晚餐中的两个概念，信用卡的借出以及手头没有现金来支付餐费，McNamara提出了一个新想法 – 可以在多个地点使用的信用卡。这个概念特别新颖的是公司和他们的客户之间会有一个中间人。虽然信贷的概念甚至存在的时间比金钱还要长，但收费账户在二十世纪初开始流行。随着发明和汽车和飞机的日益普及，人们现在可以选择前往各种商店以满足他们的购物需求。为了获得客户忠诚度，各种百货商店和加油站开始为其客户提供可通过卡访问的收费帐户。不幸的是，如果他们要购物一天，人们需要携带数十张这样的卡片。麦克纳马拉的想法只需要一张信用卡。麦克纳马拉与Bloomingdale和Sneider讨论了这个想法，三人汇集了一些资金，于1950年创办了一家新公司，他们称之为大莱俱乐部。大来俱乐部将成为一名中间人。大型俱乐部不是向个人公司提供信贷给他们的客户（以后会向他们收费），而是为许多公司的个人提供信贷（然后向客户收费并向公司付款）。以前，商店会通过让客户忠于他们的特定商店来赚钱，从而保持高水平的销售。然而，大众俱乐部需要一种不同的赚钱方式，因为他们不卖东西。为了在不收取利息的情况下获利（利息信用卡来得更晚），接受大莱信用卡的公司每笔交易收取7％的费用，而信用卡的订户则收取3美元的年费（从1951年开始） ）。
At the end of his meal with his two friends, McNamara stretched his wallet into his pocket so he could pay for the meal (cash). He was surprised to find that he had forgotten his wallet. What made him embarrassed was that he had to call his wife and let her bring him some money. McNamara vowed never to let this happen again. Combining the two concepts of dinner, credit card lending and no cash on hand to pay for meals, McNamara came up with a new idea – a credit card that can be used in multiple locations. The concept is particularly novel in that there is a middleman between the company and their customers. Although the concept of credit even existed longer than money, the fee account became popular in the early twentieth century. With the growing popularity of inventions and cars and airplanes, people can now choose to travel to a variety of stores to meet their shopping needs. In order to gain customer loyalty, various department stores and gas stations began offering their customers a billable account accessible via card. Unfortunately, if they want to shop for a day, people need to carry dozens of such cards. McNamara’s idea only requires a credit card. McNamara discussed this idea with Bloomingdale and Sneider. The trio brought together some money and founded a new company in 1950, which they called the Diners Club. Dalai Club will become a middleman. Large clubs do not provide credit to their clients (which will be charged in the future), but instead provide credit to individuals in many companies (and then charge customers and pay the company). Previously, stores made money by keeping customers loyal to their particular store, thus maintaining a high level of sales. However, the Volkswagen Club needs a different way of making money because they don’t sell things. In order to make a profit without interest (interest credit cards come later), companies accepting Diners credit cards charge 7% per transaction, while credit card subscribers charge an annual fee of $3 (starting in 1951) ).