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Close up credit cards 2022 11 14 06 38 23 utcVisa founder and modern payments pioneer Dee Hock, who passed away this past August, transformed the way we spend. While he didn’t invent the credit card, his outsider status and visionary approach to the very concept of money changed the world. And despite commentary that the credit card is a relic of Hock’s generation and ripe for disruption, today’s credit card is stronger than ever.