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FILE- This June 10, 2015, file photo shows chip credit cards in Philadelphia. Cheapskates and low spenders aren’t the ideal credit card customers for banks because they’re typically not as profitable as fast-swiping spendthrifts who rack up finance charges. Still, banks offer credit cards with features that can fit well into a frugal lifestyle. (AP Photo/Matt Rourke, File)

FILE- This June 10, 2015, file photo shows chip credit cards in Philadelphia. Cheapskates and low spenders aren’t the ideal credit card customers for banks because they’re typically not as profitable as fast-swiping spendthrifts who rack up finance charges. Still, banks offer credit cards with features that can fit well into a frugal lifestyle. (AP Photo/Matt Rourke, File)

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