25% and 2. 0% of the spread. NEtworks such as visa or mastercard have grown their fees to allow issuers to fund their rewards system. SOme issuers discourage redemption by forcing the cardholder to call client service for rewards. ON their servicing website, redeeming awards is usually a feature that is very well hidden by the issuers. WIth a fractured and competing ambiance, rewards points cut artistically into an issuer’s bottom line, and rewards points and related carrots must be carefully managed to ensure a advantageous case. UNlike unused gift cards, in whose case the breakage in certain us states goes to the state’s records, unredeemed credit card points are held by the issuer. IN chum numbers the values lost in bank card fraud are minor, proposed in 2006 at 7 cents per 100 dollars worth of negotiation 7 basis points. IN 2004, in the uk, the cost of fraud was over £500 million. WHen a card is stolen, or an criminal clone made, most card issuers will refund some or all of the charges that the buyer has accepted for things they did not buy. THese refunds will, in some cases, be at the expense of the broker, peculiarly in mail order cases where the factor cannot claim sight of the card. IN several districts, merchants will lose the money if no id card was asked for, accordingly traders usually require id card in these areas. CRedit card companies customarily faith the agent will be paid on proper transactions anyhow of whether the shopper pays their credit card bill. MOst banking services have their own credit card service that handle fraud cases and monitor for any probable attempt at fraud. EMployees that are technical in doing fraud watch and investigation are often placed in risk government, fraud and sanction, or cards and unsecured affairs. FRaud watch emphasises minimizing fraud losses while making an attempt to track down those apt and contain the environment.