Credit Cards & Debit Cards: No other form of payment has so revolutionized the world of commerce. But while millions of people have wallets stuffed with cards of every kind, very few understand how the payment system actually works.

Greg Johnson has used his 25+ years of banking experience in writing this book which explains the interaction between cardholders and merchants, the banks that service both, and the card associations Visa® and MasterCard®. Throughout these pages, you’ll also find many practical tips to help get the most out of your cards.

This is not a “get out of debt” book! Rather, its focus is to help you:

1) Better understand the bankcard industry,
2) Make informed choices to lessen or avoid many of the common fees and surcharges in the industry,
3) Improve the odds that you won’t be a victim of card fraud, and
4) Understand the rights and the protection afforded you when something has gone wrong with your card account or with a purchase