This episode explores the human emotions people feel, how to actively listen, what does it really mean when someone says "stop calling me" and the ramifications that come with that. An example of a customer complaining about why they were given a line of credit and exploration of how many credit card applications have been made, the process of applying for a credit card over time. There is more in depth discussion of the basics of the credit card system and an explanation of worldwide processing networks. Explanation on what a merchant is, a credit card issuer, and a credit card or payment network that goes into explanation of an open network verses a closed network.