COVER STORY
  Offline Debit Gets Scorched 18
  New freedom for merchants to choose card brands, lower interchange revenues for issuers and other factors have caused the old world of debit cards to go up in flames. This month, CCM assesses the changes in the debit card industry and previews what lies ahead.
  The New Competitive Challenges 26
  In an exclusive piece for CCM, a long-time observer of payment-industry competition writes that navigating the antitrust straits will become increasingly risky for the bank card associations.
  EDITOR'S NOTE 4
  One Bright Spot
  CARD WATCH 6
  Cards and the Holiday Sales Boom for Web Merchants; The Virus Scourge Hits the ATM Market, and More.
  MERCHANT ACQUIRING 12
  PIN Debit's Race To the Internet
  Banks, processors and EFT networks see PIN-based debit purchases on the Internet as a potentially lucrative source of new transaction volume, but making debit happen on the Web has proved difficult. Does the latest entry in the race have what it takes?
  STORE CARDS
  Canada's Raging Store Card Fight 30
  Retailers in Canada are locked in an intense battle for market share-and cards are at the center of the action. But retailers could get into trouble if they go too far down the financial-services road.
  COLLECTIONS & RECOVERY
  The Crisis in Credit Counseling 40
  Credit-counseling agencies face increasing state and federal regulatory scrutiny at the same time that Citigroup, the nation's largest card issuer, is coming out with a new compensation plan that has uncertain implications for agencies' revenues.
  AFTERTHOUGHTS
  The Amazing American Consumer 48
 

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