1.   When the card issuers learned that the gimmicks were costing them money, their idea of creative thinking kicked in.

2.   And before the introductory period is over, they can scout around for another promotional rate and hook up with another card issuer.

3.   And when the hotel guest checks out or the car renter returns the vehicle, the merchant must communicate the final cost promptly to the card issuer.

4.   Another way to save money is by asking your card issuer to waive the annual fee.

5.   At the same time, some smaller card issuers are reporting a decline in revenue from fees and interest.

6.   Banks and other card issuers are increasingly adding on punitive charges on customers like Kessie, whom they consider negligent, said credit card experts.

7.   A number of banks and other card issuers have been exiting the business.

8.   But Central Europe lacks the sophisticated database of consumer credit that card issuers require.

9.   But several major card issuers are offering zero percent teaser rates, and some are maintaining those rates for up to a year.

10.   But some travelers are finding such shopping a little more expensive than it used to be, as some card issuers are adding fees on transactions in foreign currencies.