My buddy who owns a string of McDonald's restaurants notes that credit card sales account for 16% of store volume, an unusually high ratio.

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Altogether, the price controls would affect about 60 of the largest banks, including Bank of America, issuing debit cards that account for more sales than credit cards.

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The company also is pushing into software to process individualized mail, such as credit card bills, brokerage-account statements and targeted sales pitches.

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