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Interchange = Access to Credit

| Electronic Payments Coalition

Interchange allows financial institutions the ability to provide access to credit, especially in underserved, rural, and low-income communities. Without interchange, many institutions would be forced to stop issuing credit cards altogether or eliminate low-cost banking services. People with less-than-perfect credit or no credit have greater access to secure financial services thanks, in large part, to the funding provided by the current interchange system. Keep reading below to learn more about how interchange = access to credit.

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