One or more miniaturized credit indicators are affixed to a wallet-size primary plate bearing the name, signature, picture and account number of an authorized user. Each of the indicators represent a different credit account. The indicators are locked into recessed spaces on the face of the plate. Magnetic tapes, microprocessor chips or integrated circuits imbedded in the indicators and plate provide identifying information. Means are provided for reading and decoding information stored in the plate or indicator.