> BTW, you as a customer are, in effect, charged a "credit card tax" on
> all potentially chargeable purchases

This is true, but not the whole story. Checks aren't free either: some 
percentage of them bounce, and we have to pay for that too. This isn't an issue 
with credit card purchases.

When I worked for a bank back in the 70s, we had statistics proving that the 
credit card discount rate was actually less than the check loss rate. I don't 
know if that's still true, but it certainly
was back then.


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