Merging the two concepts from that dinner - the lending of charge cards and not having（）on hand to pay for the meal, Frank Macnamara came up with a new idea of the first credit card that could be used at multiple locations.

Merging the two concepts from that dinner - the lending of charge cards and not having（）on hand to pay for the meal, Frank Macnamara came up with a new idea of the first credit card that could be used at multiple locations.
正确答案：cash