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 - Show Coverage: Argyle and Mt. Pleasant Labor Day Weekend Shows - by Cindy Ladage. The last fling before summer fades into fall and we get busy in the fields are the annual Labor Day tractor shows. Beginning on September 5th and running through the 7th, the Argyle Antique Gas and Engine Show is held at the Argyle State Park. Located in West Central Illinois, the pine forest was the setting for the opening of the 22nd show. This year we decided to try to sell a few tractor parts, literature and wrenches to offset my husband's buying sprees. Saturday
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