The path between your credit card transaction at your favorite store and the bank or credit card issuer is significantly more complex than most people think. VISA and MASTERCARD , for example, as business entities that you do business with directly do not really exist. Seriously, try to find a VISA or MASTERCARD Office. You always end up at an issuing bank. That's because VISA, MASTERCARD, AMEX DISCOVER are really service providers. They supply the network that processes your transaction. There are a multiplicity of hands in your credit card transaction all taking a penny here, a few cents there all referred to as the "discount rate". When you make a one hundred dollar purchase at store and use your debit or credit card if the merchant has a 5% discount rate he only gets $95. The five bucks is divided among a number of service providers from the regional clearing house, card issuer and others. Think about the number of credit/debit card purchases daily and you begin to get a picture of the enormous amounts of money being funneled off to the credit card industry. They are like a leech on the money flow.
See a win in there for the consumer? Me neither.