Commercial banks render many additional, miscellaneous services to the public. Most of these are profitable; however, a few are loss-leaders intended to draw business to other more profitable areas of the bank. Most banks operate safe deposit facilities and hold securities and other valuables in safekeeping for their customers. Many banks are either involved in direct bill-paying or act as agents for the collection of bills. More and more banks have been offering consumer credit cards. Nearly all banks provide credit information to their business customers.