Women could not build individual credit until the 1974 Equal Credit Opportunity Act (ECOA). They needed a male cosigner to have a credit card prior to this.

The Fair Credit Reporting Act of 1970 expanded credit card access for minorities. Systemic credit reporting inaccuracies disproportionately impacted them prior to this with Black/Hispanic neighborhoods having 2-3x more credit disputes than white areas.

There's a reason some of the anti-inclusive members of our society want to go back to a time of lower competitiveness. Unfair advantages allowed the few to have an easier life at the expense of the many.

You dropped this:

n't