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<< My advice is to insist on the cash price when using a CC and take your business elsewhere if they don't give it to you.>>

And exactly why do you think you deserve the lower price when you are not doing what it takes to save the merchant money? Having a cash discount or separate cash & charge prices reflects a difference in cost that the company is trying to pass along; a different matter entirely than a surcharge, where the company is advertising a price with no intention of actually making that price available to a portion of their customers.
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