The Borrowers

Every time you swipe one a rewards card at a store, that data goes somewhere to get analyzed. Marketplace's Stacey Vanek-Smith takes a look at the multi-billion dollar data mining industry -- how it has evolved and where it will go.

As employment benefits run out, more people are turning to credit cards to make ends meet. Stacey Vanek-Smith reports.

If you ever spent more with your debit card than was in your account, your bank may have paid the amount but then slammed you with a big overdraft fee. Banks impose such policies as "protection plans." But now, as Stacey Vanek-Smith reports, you'll have a choice of whether you want one.

As more consumers are using debit cards for purchases, banks are seeing a decline in late fees and interest charges on credit cards. So they're looking to make up the difference -- and lawmakers have noticed. Stacey Vanek-Smith reports.

With consumers defaulting and newfound scrutiny from lawmakers, credit card companies are in a tough place. Stacey Vanek-Smith reports that's got companies trying a new tactic.

Commentator Jill Schlesinger says that although the government has passed new rules regarding credit cards, real credit card reform will only come when individuals change their spending habits.