1.   Card issuers want consumers to leave some debt unpaid each month, so the issuers can rake in interest payments, Nader said.

2.   If a card issuer wants to charge you a balance-transfer fee, insist that the fee be waived.

3.   If rates go down considerably, the issuer will probably want to do just that and refinance.

4.   Whatever the need, credit-card issuers want smart cards to catch on, in order to boost their profits from new marketing programs.

5.   In Dutch auctions, prices are reduced from the highest bid to the level of the bid finally filling orders for all the securities the issuer wants to sell.