"We never had any thought that we would charge to check a bag," Mr. Kelly said.
It also plans, in coming months, to reduce the fees it charges to check a bag, among other reductions.
Continental Airlines still provides meals, pillows and blankets, although it joined the others in charging to check a second bag.
What may also help the luggage shipping services are the fees some carriers are charging to check bags.
Delta did not join other major airlines this summer in charging to check a first bag on flights within the United States.
It said it was adopting the fee as it matched its policies with Northwest, which was among the airlines charging to check luggage.
So far, it has not started charging to check the first two bags, although it is exploring ways to collect more revenue from passengers when it overhauls its frequent-flier program.
Other airlines, like Spirit, are charging to check bags at all ($10 if space for bags is reserved online, or $20 if a traveler shows up at the airport without a baggage reservation).
"It's a really sweet advantage for us right now," he added, saying the first question many passengers ask ticket agents is, " 'do you charge to check a bag?' We are gaining passengers because of that".
The CPFB's new rules will require clear disclosure about what fees the card issuer will charge to check a balance, for instance, and ensure that losses will be limited to what a conventional debit card holder would face if their card was lost or stolen.
