In relative numbers the values lost in bank card fraud are minor, calculated in 2006 at 7 pennies for every 100 dollars worth of transactions. In 2004, in the UK, the expense of fraud was over £500 million.[60] When a card is stolen, or an unauthorized duplicate made, most card issuers will discount a few or all of the charges that the client has gotten for things they didn't purchase. This 10% contrast is the "net intrigue spread" and the 5% is the "intrigue cost". Banks generally obtain the cash they at that point loan to their customers. On the off chance that the card issuer charges 15% on cash loaned to clients, and it costs 5% to get the cash to loan, and the balance sits with the cardholder for a year, the issuer earns 10% on the loan.