But lowering the fees is a good thing. It's a cash cow for the credit card issuers, and you pay it in the end - and you also pay the higher retail prices if you

But lowering the fees is a good thing. It's a cash cow for the credit card issuers, and you pay it in the end - and you also pay the higher retail prices if you yourself don't use a payment method that the retailer has to pay a high(er) fee on because the fees are priced into the items. The only thing bad is that the large retailers like Walmart have a much easier time negotiating significantly lower fees while small retailers have to pay whatever the card processors are asking for - which in my country is as much as 2-4%. Here is an example calculation: https://www.cardfellow.com/average-fees-for-credit-card-processing/ https://www.cardfellow.com/average-fees-for-credit-card-proc...