It's not yet clear what impact, if any, the surcharges will have on credit card usage and rewards points.The settlement requires credit card issuers to temporarily reduce the swipe or interchange fees they charge merchants for processing credit card transactions. Credit card issuers also can negotiate collectively over future interchange fees. Weston sees two possible scenarios as a result: Credit card issuers make their rewards programs less generous to make up for their loss of interchange fees. Or credit card issuers try to improve their credit card rewards programs to prevent people from switching to other payment methods because of the surcharges for using them. Weston says it's too early to tell which is more likely.