On Fri, 8 Jan 2016 19:16:39 -0500, Dave Smith
> wrote:

>On 2016-01-08 12:54 PM, wrote:
>
>>> Focus on the part about the bank not doing it for free. The merchant
>>> pays. The merchant boosts the price of his products to account for the
>>> card charges he incurs. You do not pay an extra fee for using it, but
>>> you do pay enough extra to cover what the merchant pays.
>>
>> But you will pay $5 for the item, cash or debit.
>>
>
>OK. You win. The banks do it for free.
>
It's not a case of 'winning' - it's a case of you pay $5 -
conveniently with your debit card, or cash having gone to an ATM -
whomever gets the best deal out of it, you should know it will never
be the consumer!