Of course it's a US view. It's a US site and the OP even prefaced it as such. Does every reply need to do the same?

Retailers(in the US) typically eat the cost. Some industries(in the US), like gun shops, are up front about charging more for credit card payments. Most companies(in the US) just see it as cost of doing business.

Points have next to nothing to do with why you should always use credit cards(in the US). There are legal consumer protection reasons. The points are just an optional perk.

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hvb2 6 hours ago | parent [-]

> Retailers(in the US) typically eat the cost

This is what I really have a problem with. It feels so incomprehensible to me that, assuming you're an adult, you can think this.

It's just a cost, if that cost didn't exist then either the price would be lower or the margin would be higher. In the end you're paying for it. You're the one exchanging money for a good/service.

This is proven by your other comment about how some sectors give you the option. I would rather have that option because those legal protections are useless for the majority of purchases. Good luck disputing that burrito you bought or those groceries. In such transactions you're basically just inviting a company to take a cut for 0 added benefit (aside from points).

	▲	silisili 32 minutes ago \| parent [-]
		That's a fair argument, and if all companies decided to pass the costs directly on to the user at checkout time, the conversation/advice would probably be a lot different. For whatever reason most do not, so it's advantageous to use the one with better legal protections. It's not only about purchase protection/disputes, but liability and timelines when/if someone steals your card info and makes a bunch of fraudulent charges. The more places you use a card, the higher the chance that info will get skimmed or stolen. Luckily, while behind, most places in the US have moved to tap to pay which helps a lot with POS skimming. But it only takes one bad employee to photo or copy your card info, or one poorly configured webstore, to leak your information and use it for online purchases. My most recent credit card doesn't even have numbers or an expiration printed on it, for that reason.