Now that merchants can tag an extra fee on top of a purchase you make with a credit card, all due to a class action settlement last July between credit card companies, banks and merchants…do you feel it’s best just to buy with cash, or pay by check?

Me…no!

I’d just be more aware of who tacks on the extra fee and who doesn’t.

For instance, you know pretty much which gas stations to pull into if you’re fond of using your credit card.

Do you ever use the ones that have one charge for cash and one for credit?

My guess is no.

Hence, unless you just don’t have the time to check who tacks on the extra fee, you’re probably going to be carrying around a wad of cash with you, or take your checkbook along whenever you go out to shop.

However, this doesn’t apply to major retailers who’ve already decided not to pass the charge along to customers.

You just have to know who they are.

According to this:

Some of the country’s largest retailers are holding off on adding a fee to credit card purchases made in their stores. Wal-Mart, Target, Sears, and Home Depot told NBC News that they do not plan on taking advantage of the new rule. Rite Aid doesn’t plan on adding surcharges as well, the Wall Street Journal reports.

Credit card surcharges are illegal in some states, ABC News reports. The surcharges won’t affect consumers making credit card purchases in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas.

So now you have a choice. Carry cash or the checkbook and limit what you buy; or limit your purchases to a bigger retailer where you won’t have to worry about the swipe fee.

Will you stop using your credit card because of the additional “swipe fees?”