| The new cards only have to be held near a special reader in order to function and cardholders don't have to remove the card from their wallets. |
| For travel transactions, cardholders are responsible for reconciling their statements each month and filing vouchers within 15-30 days of travel. |
| Some credit-card firms have started charging upfront fees to cardholders who wish to transfer balances from other cards. |
| The amount of money owed by cardholders on their credit cards has more than doubled in the last four years. |
| Around half of all credit cardholders pay off their debt in full each month, so the real figure for credit card debts is much higher. |
| In spite of this, most credit card issuers still fleece their cardholders with sky-high rates. |
