But don’t credit cards already work this way? Not quite.

Credit-card changes are driven by security concerns, and it turns out that signature swipe has its own swath of problems.

The Federal Reserve said total consumer credit rose by 10% in May. And lenders issued roughly 6 million new credit cards in March, according to Equifax.

Outstanding credit card balances have been down, but people may start racking up the debt again.

Banks are already stepping up marketing campaigns to try to get more consumers to use their services.

Sure, we’re putting some purchases on credit cards, but we’re still not getting out the plastic for big travel expenses.

Some big banks will give credit cards to people who lack credit scores, looking instead at savings and checking account history.

Lenders aren’t quite as nervous about consumer finances anymore, and they’re anticipating a boom in consumer spending.

Government relief checks helped.

In its battle against tax evasion, the government wants more Italians to change their payment method.