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We strive to keep our overhead costs down, and in turn pass the savings along to our customers. One of the many ways we do this is by not accepting plastic of any form for payment.  There are transaction fees and a percentage of the total sale that these companies collect.  It may not seem like much but you automatically save about 3% because we only accept cash or check.  Also, we never have to rely on electronics to complete your transaction.   We tend to keep things simple here, and it's worked for 150 years...