Yes, those numbers are correct, see e.g. http://ec.europa.eu/competition/sectors/financial_services/enforcement_en.html http://ec.europa.eu/competition/sectors/

Yes, those numbers are correct, see e.g. http://ec.europa.eu/competition/sectors/financial_services/enforcement_en.html http://ec.europa.eu/competition/sectors/financial_services/e... and http://ec.europa.eu/competition/sectors/financial_services/payments_en.html http://ec.europa.eu/competition/sectors/financial_services/p... for an overview. Reward programs always have been a bit less pronounced here in Europe and mostly have been reduced after the regulation of interchange fees.