Well, any retailer has to increase their prices by 3% to cover CC charges. Even the simple act of a place insisting on a minimum spend of X on a CC can put you

Well, any retailer has to increase their prices by 3% to cover CC charges. Even the simple act of a place insisting on a minimum spend of X on a CC can put you in a situation to spend more than you need to. You might not think you are paying for card fraud, but it's all priced into the products you buy.