A charge card is a card that provides a payment method enabling the cardholder to make purchases which are paid for by the card issuer, to whom the cardholder becomes indebted. The cardholder is obligated to repay the debt to the card issuer in full by the due date, usually on a monthly basis, or be subject to late fees and restrictions on further card use.

Though the terms charge card and credit card are sometimes used interchangeably, they are distinct protocols of financial transactions. Credit cards are revolving credit instruments that do not need to be paid in full every month. There is no late fee payable so long as the minimum payment is made at specified intervals (usually every thirty days). The balance of the account is charged interest, which my be backdated to the date of initial purchase. Charge cards are typically issued without spending limits, whereas credit cards always have a specified credit limit that the cardholder may not exceed.

Though originally charge account identification was paper based, in 1959 American Express became the first charge card operator to issue embossed plastic cards to ISO/IEC 7810 ID-1 standard. Cards have an embossed bank card number complying with the ISO/IEC 7812 numbering standard.

Louis Allen "Lou" Rawls (December 1, 1935 – January 6, 2006) was an American soul, jazz, and blues singer. He was known for his smooth vocal style: Frank Sinatra once said that Rawls had "the classiest singing and silkiest chops in the singing game". Rawls released more than 60 albums, sold more than 40 million records,^{[citation needed]} appeared as an actor in motion pictures and on television, and voiced-over many cartoons. He was also known for his frequently used expression,"Yeah buddy!"

Rawls was born on December 1, 1933 in Chicago and raised by his grandmother in the Ida B. Wells projects on the city's South Side. He began singing in the Greater Mount Olive Baptist Church choir at the age of seven and later sang with local groups through which he met future music stars Sam Cooke, who was nearly three years older than Rawls, and Curtis Mayfield.

After graduating from Chicago's Dunbar Vocational High School, he sang briefly with Cooke in the Teenage Kings of Harmony, a local gospel group, and then with the Holy Wonders. In 1951, Rawls replaced Cooke in the Highway QC's after Cooke departed to join The Soul Stirrers in Los Angeles. Rawls was soon recruited by the Chosen Gospel Singers and himself moved to Los Angeles, where he subsequently joined the Pilgrim Travelers.