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credit and debit cards have recently come under increased scrutiny federal regulators have proposed setting limits on interchange fees merchants pay the banks for processing debit or credit transactions these changes directly impact the banks ability to continue offering check cards at no cost to the card holders so what is interchange and how could these changes affect you think about it like this every time you use your debit or credit card to buy something there are four parties involved you the merchants the merchants bank and your bank or credit union the people who issued your card the process begins when you buy something from the merchants who chooses to accept your debit or credit card at their store you choose to use your card because its convenient they choose to accept your card for a variety of reasons well explain throughout the process its important to keep in mind that even though we take it for granted that everyone accepts debit and credit cards accepting these ca
