The way you are explaining it, it seems well and good but retailers say that they are the ones who will have to bear the higher rates for the use of premium cards. They are the ones faced with the problem, not you. It is easy for you to talk about free competition and to offer various gadgets to sell more cards and to increase their use but there is definitely a problem for retailers. What is your reaction to this?
Are you opposed to including American Express in the regulation of interchange fees?