The complaint is that the fee is often much higher than the actual cost. Actual cost, of course, varies by card type. Debit cards, for example, have a VERY SM

The complaint is that the fee is often much higher than the actual cost. Actual cost, of course, varies by card type. Debit cards, for example, have a VERY SMALL average processing fee, AMEX has a large fee. Also, "minimum fees" that end up being much higher than the actual cost.