Hands Off

My Data

Cyber-attacks against consumers are on the rise, with large retailers like Target falling victim to breaches that expose customer information to the worst actors on the dark web.

Now, Big box retailers like Walmart and Target want to leave you even more vulnerable to credit card cyber-attacks so they can pocket billions of dollars in additional profits.

Don’t let them get away with it!

You can play an important role in standing up against special interests in Washington to protect YOUR valuable credit card data that will be easier to steal if new credit card routing legislation is passed.

Tell Congress to protect YOUR data… not the profits of greedy big-box retailers.

Get the facts

Senators Durbin (D-IL) and Marshall (R-KS) introduced S. 1838, allowing big-box retailers like Walmart and Target to process credit card transactions based solely on what is cheapest for them, disregarding what’s best for your data security.
The "Big-Box Bill" would shift billions in consumer spending to less secure, less innovative, and higher-risk payment networks that would weaken America’s payment system and put consumers in a vulnerable position.
The top reason consumers select a credit card over other forms of payment is security. Credit cards issued by Visa and MasterCard offer zero liability when a transaction on their branded card is processed on their network. Recent studies show that the top reason (79%) consumers choose their credit card is based on data security.
After Senator Durbin passed similar routing mandates for debit cards in 2010, the fraud rate for debit cards increased by NEARLY 60% in subsequent years. A similar outcome for credit cards would likely cost OVER $6 BILLION in additional fraud and likely require passing much of the bill onto consumers.

Watch To Learn More


I personally think that if you like credit card points and rewards, you should reach out to your lawmaker and voice your concerns. There are a lot of huge issues our government should be working on, but I don’t think destroying credit card rewards so that retailers can make more money is one of them!

Brian Kelly
The Points Guy

Eliminating such rewards under the Credit Card Competition Act, would create a domino effect that leads to higher plane ticket costs that make it more expensive to travel to states like ours.

Chris Romer
President & CEO of Vail Valley Partnership

The Credit Card Competition Act would have a devastating effect on credit card rewards programs. Debit card rewards all but disappeared after Sen. Durbin’s eponymous Durbin Amendment (part of the Dodd-Frank Act) took effect in 2011.

Ted Rossman
Senior Industry Analyst, Bankrate.com and CreditCards.com


I personally think that if you like credit card points and rewards, you should reach out to your lawmaker and voice your concerns. There are a lot of huge issues our government should be working on, but I don’t think destroying credit card rewards so that retailers can make more money is one of them!

Brian Kelly
The Points Guy

Tell your representatives

keep your hands off my credit card data. Oppose this broken law today.

Hands Off My Rewards is a project of the Electronic Payments Coalition electronicpaymentscoalition.org
Privacy Policy

Who we are

Our website address is: https://handsoffmyrewards.com.


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.