And so when you talk about what's the race card, well, when Bill Shaheen makes a comment, addressing, you know, well, they say he was a drug dealer.

NPR: Injecting Race into Politics

Visa, which declined to comment, is no longer in the debt-collection credit-card business, according to lawyers for debtors who have gotten card offers.

WSJ: Price of Getting a Credit Card Is Paying Expired Debt

Visa and MasterCard wouldn't directly comment on Mr. McCrohan's conclusions, but have said they would change debit-card fees, known as interchange, in response to new federally regulated caps.

WSJ: MasterCard, Visa Seen Raising Fees

Chase and Citibank, two card issuers that visitors complained about on Weber's site, did not respond to requests for comment.

FORBES

Bank of America ( BAC - news - people ) aims its bank- card pitch at employers who buy them in bulk as staff gifts. (BofA declined to comment on whether employers receive a discount rate for buying scads of cards at a time.) There's no dormancy fee with BofA's product, but after nine months the cards become worthless, whatever the remaining balance is.

FORBES: Holiday Shopping