The merchant may get a reward for restoring a confiscated card to the issuing bank, especially if an arrest is made. The operator at that point asks the merchant a progression of YES or NO inquiries to see if the merchant is suspicious of the card or the cardholder. As they get low-intrigue loans from different firms, they may get as much as their customers require, while loaning their capital to different borrowers at higher rates. The merchant may be asked to retain the card in the event that it is safe to do as such. Code 10 calls are made when merchants are suspicious about accepting a credit card. This is the expense of running the credit card portfolio, including everything from paying the officials who run the company to printing the plastics, to mailing the statements, to running the PCs that monitor each cardholder's balance. At the point when a cardholder turns out to be extremely reprobate on an obligation frequently at the purpose of a half year without payment, the creditor may declare the obligation to be a charge-off.