以服务信用银行(Service credit banking) 为例，先前的服务可换来未来服务的回馈，早已盛行在志愿服务领域，如河南郑州的青少年道德银行、浙江杭州的时间银行 等。
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虽然可以通过旅行支票、欧洲支票和英国银行发行的信用卡使用，但这些服务的费用可能很昂贵。
Although it is possible to exist on traveler's cheques, Eurocheques and credit cards issued by British banks, the fees for these services can be expensive.
如果客户直接从银行账户(手机或是网上银行)而不是信用或借记卡上支付，那服务商搭建的支付联盟就失败了。
Payments associations would lose out if customers pay for goods directly from their bank accounts (whether via mobile phone or online banking services) rather than with credit or debit CARDS.
同时，盖特纳还提议强制银行提供“简易版金融产品”，比如不含任何不必要服务的信用卡。
Mr Geithner has also proposed compelling Banks to offer "plain vanilla" products, such as no-frills credit CARDS.
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