Fargo Mandrells traveled to Europe and returned frustrated, angry, and with a stiff neck. Despite the fact that he was President of Primarian Express and carried traditional letters of credit, he found it difficult to get banana coins in cash anywhere except in major cities. It was just ridiculous. During part of his journey through a jungle, he had to starve because he ran out of coins and none of the vendors there would believe he wasn't poor. He certainly didn't look poor, but he didn't have the banana coins hanging in rows around his neck like the other primates on site, either. Fargo hated this method as it always resulted in an incredibly stiff and painful neck. Although in the end, it was still better to have a hurting neck than an empty stomach.
The second event that had long stuck in his memory happened in a nearby restaurant. After a dinner with friends, he found to his dismay that he had left his banana coins at home. In his place, his friends had to foot the bill and it was a very shameful situation for Fargo. Above all, he felt uncomfortable because he was responsible for the invitation. He thought of a solution to avoid similar embarrassment in the future and discussed the idea with the restaurant owner and his staff at Primarian Express.
A few days later, he returned to the same restaurant and paid for his meal with a cardboard credit card and a signature – much to the amazement of the monkeys, who watched from neighboring tables and wore banana coins around their necks. The story spread and became known. Newspapers later dubbed this meal "The First Supper" and it was cited by primate historians as the beginning of contemporary credit in the Monkeyverse with the invention of the "Diners Cardboard". Different versions of the story varied, ranging from Fargo having to pay for a feast with hundreds of monkeys to him even buying the restaurant outright. In any case, the cardboard card was a huge success. The whole association was called "The Club of Banana Diners" and the original concept was to produce a card that could be used as a means of payment in restaurants. It allowed Monkey customers to pay their bills through a credit account at the end of each month. However, with some marketing from Primarian Express, it was soon recognized not only in nearby restaurants but also expanded to other establishments including tree habitat rentals, fur hairdressers, and fruit shops. When it was launched, the card listed 27 participating restaurants, among other things, and more than 200 friends and acquaintances of Fargo used it.
Not intended, but within a short period of time, the card soon became a status symbol for wealthy primates in terms of solvency. It had another good side effect – it prevented a stiff neck. Nevertheless, alongside these advantages, Fargo also found some disadvantages: His apelings liked to "borrow" the Diners Cardboard to buy bananas by the kilo for in-between meals and at the end of the month, the bill looked like Fargo wasn't getting enough to eat at home. His wife liked that the card was so practical. But the large cardboard card was very bulky and when one of his apelings used it to protect his head during a rain shower, the name and address were almost impossible to read. Fargo had to visit each of the shops individually to settle the bills to the best of his knowledge and belief.
So, he altered the design of the card, making it significantly smaller, and changed the material from cardboard to plastic – this way it was waterproof and no longer useful as a rain cover. For a small monthly fee, there was even a gold metal version of the now-called "Diners Card" with edges that could be used to elegantly peel a pineapple. This established itself as an even higher status symbol.
Although in the end, Fargo Mandrells went back to his banana coins in cash: His credit card had been stolen but he chose not to report it since the thief was spending less than his wife.
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