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(MasterCard, the report found, is the only network that does not provide coverage to all cardholders; a cardholder has to check the agreement to determine eligibility).
Citigroup, for example, will begin charging many cardholders a $60 annual fee in April unless they cancel their account by next month.
In one instance, Mr. Levine said, Providian tried to sell cardholders a service called Drive Pro, which offered to pay towing charges and other automobile expenses.
As a special offer to MasterCard cardholders, a limited number of tickets to all Festival events will be made available on Thursday, September 10th, at newyorker.com/festival.
Her team recruited habitual users of credit cards issued by Discovery Health, of South Africa, which offers cardholders a monthly twenty-five-per-cent cash-back bonus, based on how much healthy food they purchase.
Waitrose first launched its myWaitrose card online in 2009, but it sprung to prominence three years ago when bosses offered all cardholders a free tea or coffee every day, regardless of whether they bought anything.
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It began in 2003 for the exclusive use of Citi AAdvantage cardholders, an American Airlines affiliate card, and was expanded to all cardholders in 2007.
A.T.M. operators, the suit says, may charge cardholders an access fee — but only if the same fee is charged, whether the machine performs a Visa or MasterCard transaction or uses another debit network.
If Sears charges cardholders an average 21% annual interest (including compounding), and you subtract bad debt losses of 6% and overhead and interest costs of 9%, then the $26.5 billion card portfolio is yielding a sturdy 6%, before tax.
(The main exception is if a parent has added a teenager, say, as a cardholder on a credit card account; that may establish a file).
The promotion is centered on a sweepstakes that offers a lucky Visa cardholder a chance to attend Super Bowl XLVI in Indianapolis on Feb. 5 with 10 of his or her family and friends.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com