Interesting fact: Australia regulated away credit card fees a few years ago. There was no corresponding decrease in consumer prices. In any case, even if there

Interesting fact: Australia regulated away credit card fees a few years ago. There was no corresponding decrease in consumer prices. In any case, even if there is an increase, unless merchants offer differentiated pricing by payment type (they generally favor simplicity) then what I'm saying holds: there is no additional cost to using cards.