In the first place, provision of liquidity in non-home currencies is in no way an easy task for the home central bank to implement in a timely manner given the potential size needed, time difference, and other operational constraints. During the recent financial crisis, U.S. dollar liquidity shortage became an acute concern, especially among European banks, which had expanded their dollar intermediation activities.
•  Communicating misleading / wrong information regarding credit cards regarding conditions for issue, amount of service charges/ waiver of fees, gifts/prizes. •  Sending credit cards to persons who have not applied for them / activating unsolicited cards without the approval of the recipient. •  Charging very high interest rates /service charges. •  Lack of transparency in disclosing fees/charges/penalties.