You do understand that since vendors are not allowed
on risk of credit excommunication, pass the transaction fee to the vendor
It forces the vendor to put that fee in the base price.
Everyone pays the transaction fee
But what if you pay debit ?
you don’t even get cashback rewards
but you STILL pay that increased price,
On everything you buy
everyone without a credit card still pays a 3% tax

Credit cards are profoundly immoral