Personally, I use a credit card because I get to borrow their money for 30 days with no interest since I pay the monthly bill when it comes in. They also do my bookkeeping for me so I know where I spent my money, again at no charge to me. I am aware of the transaction fee to the business so when it is a smaller purchase I use cash. I realize this doesn't help your decision. I've never been offended by a sign saying "discount for cash", it is still my choice which to use, of course "discount" sounds better than "pay extra for credit cards".
2underage does make a good point about a friendly store. A mom and pop hardware store opened in a small town near me about six years ago, nice, clean, friendly place. Started going there to get my stuff, owner and son running it, all was good for three years. Then I bought a 20 dollar item that wasn't needed, took it back the next day, new, untouched with the sales slip, had to fill out a 8x11 form with my life history to get my money back. I've shopped at Lowes since that day. I use to shop at Tractor Supply, bought equipment and parts etc, then I tried to return a part for less than $10, they insisted on the life history form, that part is hanging on my wall to remind me not to go back. If you have a friendly, helpful store, that doesn't make extra money selling your customer's life history, I, and most people, would be happy to shop there if your pricing is fair.
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Today's Featured Article - Usin Your Implements: Plow and Disc - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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