It would seem that this is what passes for innovation these days.
The bad news? Credit card issuers are busy dreaming up new types of fees to make up for the shortfall.
Consumers soon could find themselves charged for a lost or second card, for paper statements and even for not using their card enough or for making too many calls to customer service.
Some issuers have started charging from $1 to $5 for customer service calls beyond a certain limit per billing cycle, Mr. Hammer said.
Innovation as defined by Paulie Walnuts.