CEO Michael Miebach says the card network's business in areas such as debit cards will enable it to compete if the mega merger results in the loss of Capital One's debit business.

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The Electronic Funds Transfer Act protects consumers from liability for unauthorized transfers from their accounts.

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This student card earns 2% cash back on up to $1,000 per quarter in combined spending on gas and at restaurants, plus 1% on everything else.