The railroad's telegraph operator would handle Western Union telegrams in addition to his regular duties as a telegraph operator. Also in return for the service, Western Union issued credit cards to the operators. It is not really a credit card, but a frank. The holder could use telegram services as well as any of the services so stated on the back of the card without the need for payment. The numbers in the upper right corner suggest that the card was valid from 1969 through 1971.
Cablegrams are telegrams transmitted via under sea cable, usually between contintnents.
Radiograms are telegrams transmitted via radiotelegraph, usually by a coastal station to ships at sea. Good also for Messenger Errand Service. He went to work for the railroad at an early age as a telegrapher, was called to service in WWII as a radio operator and returned to work for the Frisco. Mr Bell recently visited me and saw my collection of telegraph instruments and related paper items. He suggested that I should have his Western Union credit card for my collection and a few days later, he mailed it to me.