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 - Tractor Profile: Oliver 70 Row Crop - by Staff. The Oliver 70 was part of the "Fleetline Series" and was manufacturered from 1937 to 1948. The row-crop configuration could have either dual or single front wheels. The Oliver 70 was also offered in the standard, orchard and industrial configurations. The tractors were sold in Canada. An early advertisement states "Power when you want it - power when you need it - power to help put in crops when field conditions are right and time and help are limited. That's the power you'll find in an Oliv
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