You are completely missing the point.... I at no point suggested that they shouldn't charge. That it is a percentage of the transaction amount is what I have a

You are completely missing the point.... I at no point suggested that they shouldn't charge. That it is a percentage of the transaction amount is what I have a problem with. If their business was truly about "credit" they shouldn't need extra charges as they claim back more value from bigger loans/transactions. Debit cards provide the same service without a percentage charge but without the payment protection. Its a rigged game.