> One of the annoyances of having just moved from SV to Munich is that credit cards are often not accepted and you need to use cash. The benefit is lower price

> One of the annoyances of having just moved from SV to Munich is that credit cards are often not accepted and you need to use cash. The benefit is lower prices. Credit cards have high transaction fees, and the contracts generally prohibit the merchant from adding those to the cost of the transaction. So everyone, regardless of payment method, pays higher prices if the store accepts credit cards.