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| I use cc for anything and everything where they’re accepted. Rewards add up. Depending on the small business, I would have a cash or cc only policy, leaning hard towards the cc option. You don’t see many bounced cc transactions. Watched way too many small businesses get stiffed on the bill with either a bad check or a tab that never got paid. That’s a 100% loss, makes that 3% surcharge look pretty insignificant.
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