re: 3% Credit Card Fee

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I get what you’re saying in principle, but I think that’s a somewhat antiquated way to look at credit cards nowadays.

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We will continue to disagree. Merchants can build in the cost of credit and uncollectible accounts into their prices. Any cost accountant can do this for you.

You're argument is that it's convenient for the customer so they should pay for the convenience. Well, it's convenient for the merchant also, yet they are passing the fee along as a surcharge, and getting additional sales from credit. The 3% on those sales is the price to outsource credit, collection, and the loss on uncollectible sales. Why should a the consumer pay for the merchant's credit function and bad debts?

If there is an issue with the fee, the merchants should put pressure back on the processor, not screw the customer.