They could get partial credit on points 4, 5, and 6, and full credit for point 7.
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Credit Suisse points out that it has obligations under Swiss law, and those are not small.
Last week, I wrote about the fact that most credit card points are effectively worthless.
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Maybe, but the severity of the credit crunch points to broader pain ahead.
Old school credit card points and loyalty programs will suddenly seem archaic.
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However, as Neville Hill at Credit Suisse points out, two much smaller sectors - construction and energy - have also been pulling the figures down in the past six months.
Every time you apply for credit, it causes an inquiry to appear on your credit report and costs you a few credit score points whether you even open the account or not.
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Subsequently, Newman reimbursed her firm for the charges but not for the credit card rewards points.
Citigroup began allowing cardholders to buy concert tickets with their credit card reward points directly through ticket-seller LiveNation.com.
The survey found that 52% of those who plan to travel this summer said they will use credit card reward points to pay for some costs.
The Credit Suisse study points to previous research that shows that having a bigger pool of talent to pull leaders from and a better mix of leadership skills among that team leads to better performance.
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For example, your credit score pulled by one credit card issuer is likely to differ anywhere from 5 to 50 points from another credit card issuer.
The venture between the two Chicago firms is meant to launch within 30 days and would provide a fully integrated trading and clearing platform for credit default swaps, the complex derivative contracts that have been one of the flash points of the credit crisis.
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Both are payable with PowerUp Rewards points or credit card.
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Frequent travelers should stick to legacy carriers, because their programs offer more opportunities to earn points through credit cards, such as American Airlines' AAdavantage Citi Mastercard or Delta's Gold Delta SkyMiles American Express.
One inquiry for new credit can knock as much as 25 points off a very high score, says Kenneth Lin, CEO of Credit Karma.
Several credit cards offer frequent flyer points or other reward programs for the money you spend.
Michael Mayo, an analyst with Credit Suisse First Boston, points out that banks' average costs have fallen to just 56% of their revenues, the lowest since 1960, and that revenues per employee are rising faster than costs per employee.
The venture between the two Chicago firms is meant to launch within 30 days and would provide a fully integrated trading and clearing platform for the complex derivative contracts that have been one of the flash points of the credit crisis.
So you can decide whether to pay for a transaction by credit, debit or even rewards points.
And it points to the latest credit availability figures from the Bank of England, which suggest that the amount of money available to lend out is at an all-time high.
The same credit-card issuer may value your points differently depending on how you spend them.
The reward points and purchase protection plans credit cards offer are additional benefits.
Most of the obvious brand extensions, such as perfume, have been done to death, points out Cedric Magnelia of Credit Suisse First Boston.
In 1992, according to Macdonald, Maritz began to offer services that would motivate consumers such as frequent-flyer programs and incentives for holders of credit cards in the form of membership points.
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Regardless of whether you are a rewards junkie or a rewards novice, the way to get the most value from your credit card usage is to ditch the points and find some plastic that offers cash-back rewards.
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Martin Barnes of Bank Credit Analyst, a research firm, points out that the direction of official policy (low rates, quantitative easing, big deficits) looks inflationary but the economic fundamentals (a big output gap, sluggish credit growth) look deflationary.
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