41.   If you ask, many card issuers will waive annual fees.

42.   If you find an unauthorized charge, contact the card issuer immediately.

43.   In June, the Supreme Court unanimously ruled that nationwide card issuers can charge late-payment fees, even in states where local laws prohibit them.

44.   In practice, the card issuer sometimes takes weeks to restore the credit, no matter how prompt the merchant is.

45.   It has grown faster than nearly any other card issuer, and rapid growth is often seen as a precursor to problems in banking.

46.   MAKE COMPANIES PURSUE YOU The market is saturated, so card issuers will often cut deals to keep business.

47.   Ms. Patrick said card issuers solicited constantly on campus.

48.   Most card issuers are guarded about their underwriting policies.

49.   More card issuers also are switching to the two-cycle method for calculating interest rates, McKinley said.

50.   New York officials want information from two dozen card issuers on their collection tactics, while Connecticut officials say they are in talks with about a dozen companies.