You are right and I do the same thing . When the auctioneer calls for a $100 bid increase I hear $110. I decide before the auction what my maximum bid will be and consider the added 10% as part of my bid. I only use credit cards for convenience or online ordering as necessary but in many cases there is no other way to place an order.
As for the hardware store, I would continue to accept the credit cards and look for ways to increase sales. The 3% charge on $1000 is only $30 and I believe that is a pretty reasonable way to offer instant credit. If you start changing payment policy your most likely outcome is a loss of business and when you discover that it is too late and your store is labeled as a bad place to do business and it may not be easy to change that. If a business is viewed as a good friendly place to go it will bring in more business than any 3% discount.
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Today's Featured Article - Chores - by Frank Young. The ceaseless passing of time! It is at once our friend and our enemy. It measures our progress and it makes us old. Like most features of our life, few things are all good or all bad, and most such judgments depend on our own perspective or viewpoint. In our particular hobby, we enjoy the nostalgic return to the days of our youth as we recreate many of the scenes that took place on the family farm that served as the stage for the first few acts of the play that is our live
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