Since a credit card is a convenience to the customer I would charge them 5% more for credit card charges and let them cover the extra cost to the restaurant. The credit card companies only want people to pay late and overdraft so they can make billions more. Nobody should be able to get more than one credit card unless they make a certain amount of money. The boys that handle the diamonds deal in cash. People who do service work get paid in cash. Soon we won't have any cash. Many people have their checks sent to the bank and they charge or pay in checks and they don't see cash. I like to see cash.