In the 30's of the twentieth century, Western Union has become the world's largest telegraph company. In order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.